Tesco credit cards

Best Tesco credit cards

Tesco Bank offers a wide range of financial products including savings accounts, personal loans, car insurance, home insurance, travel insurance, credit cards – and more recently, mortgages.

Tesco Bank offers a range of credit cards which provide long 0% periods on balance transfers, money transfers and purchases as well as cards with a consistently low APR. The Tesco Clubcard Credit Card for Balance Transfers offers 36 months interest-free on debt switched to the card as well as 0% on purchases for three months. Representative APR revert to 18.9% (variable).

Compare Tesco credit cards - Sorted by APR

Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.

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Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

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If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

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In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.

Tesco Bank

Balance transfer

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Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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Tesco Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Tesco Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

  • {{::item}}

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Guide to Tesco credit cards

Tesco Bank offers a range of credit cards which provide long 0% periods on balance transfers, money transfers and purchases as well as cards with a consistently low APR.

Tesco credit cards double as a Clubcard, so you’ll get:

  • 5 Clubcard points for every £4 you spend at Tesco stores
  • 5 Clubcard points for every £4 you spend on Tesco fuel (excludes Esso Fuel)
  • 1 Clubcard point for every £8 you spend almost everywhere else

As well as Tesco groceries, Tesco Clubcard points can be exchanged for holiday discounts, meals out or experiences.

Tesco credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.