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Compare Tesco Bank Credit Cards

Updated: 21st July 2021

Tesco is much more than a supermarket. At the Tesco Bank arm, you will find a range of credit cards which largely focus on interest-free periods. There is seemingly a Tesco credit card for just about everybody, designed to meet a range of borrowing needs. And you’ll have the added bonus of earning Tesco Clubcard points along the way.

We’ve reviewed the cards in the Tesco Bank portfolio, looking at the length of the introductory offers, interest rates, fees and Clubcard rewards to come up with our favourites.

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Here are MyWalletHero’s picks for the best Tesco credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: 0% on purchases and balance transfers, no balance-transfer fee
4.5 stars question mark

The Tesco Bank 12 Month All Round Credit Card succeeds by being just what the name says: a good all-round option. You can find longer 0% interest periods elsewhere, but 12 months of 0% on purchases, balance transfers, and money transfers is a nice combination. No balance transfer fee adds to the appeal, as does the ability to earn Clubcard points.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 12 months on purchases, balance transfers and money transfers

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long 0% balance transfer period
3.5 stars question mark

Tesco’s Balance Transfer Card gives successful applicants 22 months of 0% interest on balance transfers. That’s very near the longest on the market. There is a 2.99% balance transfer fee to be paid, but that’s typical of 0% offers of this length. The card also offers 12 months 0% on money transfers, with a 3.99% fee, and Tesco Clubcard points, making it a very well-rounded offer.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 22 months 0% interest on balances transferred in the first 90 days
  • 12 months 0% interest on money transfers made in the first 90 days
  • 5 Tesco Clubcard points for every £4 spent at Tesco
  • 1 Tesco Clubcard point for every £8 spent elsewhere
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 20.9% APR (variable)
Purchase rate 20.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 22 months 0% interest on balances transferred in the first 90 days
  • 12 months 0% interest on money transfers made in the first 90 days
  • Collect Tesco Clubcard points on all spend
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    0% interest for 22 months on balance transfers in the first 90 days

    0% interest for 12 months on money transfers in the first 90 days

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 22 months 0% interest on balances transferred in the first 90 days
  • 12 months 0% interest on money transfers made in the first 90 days
  • 5 Tesco Clubcard points for every £4 spent at Tesco
  • 1 Tesco Clubcard point for every £8 spent elsewhere
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 20.9% APR (variable)
Purchase rate 20.9% p.a. (variable)
Based on borrowing £1,200
Great for: Long 0% interest on purchases and rewards
3.5 stars question mark

Tesco Bank’s Purchases Card is a solid choice if you’re looking for a good period for 0% interest on your spending, as 18 months stacks up pretty well with competitors. The card gets even better if you’re a Tesco customer, since it’ll help you rack up Tesco points. You’ll get 5 Clubcard points for every £4 you spend at Tesco and 1 Clubcard point for every £8 that you spend elsewhere.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 5 Clubcard points per £4 spent in Tesco and one point for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 20.9% APR (variable)
Interest rate on purchases 20.9% p.a. (variable)
Assumed credit limit £1,200

what we like

  • 0% interest on purchases made over the first 18 months
  • 5 Clubcard points per £4 spent in Tesco and one point for every £8 spent elsewhere
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    0% purchases for 18 months

KEY SCORES:

  • 4/5 Perks
  • 2.5/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 5 Clubcard points per £4 spent in Tesco and one point for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 20.9% APR (variable)
Interest rate on purchases 20.9% p.a. (variable)
Assumed credit limit £1,200
Great for: Building and rebuilding credit
3 stars question mark

If you are looking for a credit rebuilder card that offers you more than just access to credit, the Tesco Bank Foundation Card does just that. It offers free access to Noddle Premium services and Tesco Clubcard benefits, as well as a comparatively low APR and manageable credit limits.

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CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Free service to help manage credit rating
  • Collect Tesco Clubcard points

REPRESENTATIVE EXAMPLE

Representative rate 27.5% APR (variable)
Interest rate on purchases 27.5% p.a. (variable)
Assumed credit limit £1,200

what we like

  • No annual fee
  • Free service to help manage credit rating
  • Collect Tesco Clubcard points
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    27.5%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 2/5 Perks
  • 2.5/5Fees
  • 4/5APR

HIGHLIGHTS

  • No annual fee
  • Free service to help manage credit rating
  • Collect Tesco Clubcard points

REPRESENTATIVE EXAMPLE

Representative rate 27.5% APR (variable)
Interest rate on purchases 27.5% p.a. (variable)
Assumed credit limit £1,200
Great for: Low standard APR plus rewards
3 stars question mark

The Tesco Bank Low APR Credit Card offers a very competitive interest rate as well as enticing rewards that could make it an appealing everyday card. The low standard APR might appeal to those who occasionally carry a balance short term, while the Tesco Clubcard points can provide a nice return on spend, especially for regular Tesco shoppers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Low standard APR
  • 1 Tesco Clubcard point for every £4 spent at Tesco and 1 point for every £8 spent elsewhere
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 9.9% APR (variable)
Purchase rate 9.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • Low standard APR
  • 1 Tesco Clubcard point for every £4 spent at Tesco and 1 point for every £8 spent elsewhere
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

KEY SCORES:

  • 1/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low standard APR
  • 1 Tesco Clubcard point for every £4 spent at Tesco and 1 point for every £8 spent elsewhere
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative rate 9.9% APR (variable)
Purchase rate 9.9% p.a. (variable)
Based on borrowing £1,200

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