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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 3.89 (346 reviews)

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3.89

Based on 346 reviews, last reviewed 21st Jul 2026

40% decrease in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

57%

22%

11%

Latest highest rating:

5

Great Credit score builder Great card, rewards when buying groceries is amazing. Keep collecting points and buikding a good credit score. Reviewed on: 8th July 2026

Latest lowest rating:

1

Useless. Useless. 3 months wait for replacement card. 4 weeks and counting after receipt and still can’t use due to them putting a block on it despite assuranc... Read more Reviewed on: 21st July 2026

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About this product

With Tesco Bank Clubcard credit cards, you can collect Clubcard points, spread the cost of larger purchases, help build your credit score and transfer balances.

There are a range of cards to choose from and the online eligibility checker shows if you’re likely to be accepted before you apply, protecting your credit score.

Tesco Bank Clubcard credit card reviews help you find out what it’s really like to be a customer. If you’ve used Tesco Bank before, you can also leave a review and share your experience.

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Tesco Bank Clubcard credit cards reviews (346)

Useless.

Useless. 3 months wait for replacement card. 4 weeks and counting after receipt and still can’t use due to them putting a block on it despite assurances that everything was sorted. Hours spent on phone trying to get it sorted Be SMART and go somewhere else Reviewed on: 21st July 2026

Great Credit score builder

Great card, rewards when buying groceries is amazing. Keep collecting points and buikding a good credit score. Reviewed on: 8th July 2026

I believe the Tesco Clubcard Credit Card is one of t...

I believe the Tesco Clubcard Credit Card is one of the weakest credit card products in the UK, if not the weakest, mainly because of the overall customer experience rather than the card itself. Some of the biggest issues are: * You cannot view your full card number securely in the app, which is a standard feature offered by many competitors. * You cannot choose the statement date that best suits your finances through the app. If you want to change it, you have to call customer support. This should be a simple self-service feature, especially when there is no live chat available. * After paying the minimum payment shown on your statement, the app often continues to display that the minimum payment is still due. It can also send reminder notifications telling you to make the payment, even though it has already been received. The message simply says to ignore it if you’ve already paid, which creates unnecessary confusion. * Customer support is frustrating. Calling support means going through multiple automated menus and robots before eventually reaching a real person. * There is no live chat, despite many UK banks now offering fast in-app messaging. Overall, the app feels outdated and lacks features that have become standard across the UK banking industry. The user experience, customer support, and digital tools are well below the level offered by many competitors. I hope Tesco Bank invests in improving both the app and the overall customer experience, as there is significant room for improvement. Reviewed on: 5th July 2026

Worst bank ever, zero customer service and terrible...

Worst bank ever, zero customer service and terrible banking experience. No flexibility and provide no help to customers. Reviewed on: 20th June 2026

Generally good experience, irritant is the site does...

Generally good experience, irritant is the site does not update quickly enough re payments in and pending. Advises payment dates and debits payment acct before same. Reviewed on: 12th June 2026

Very good normally.

VEry good normally. However I wanted to buy airline tickets. It took ages finding the right, tickets, I wanted to use my credit card for protection and points. However I was using our home computer when I went to pay it said it failed we tried several tmes but it wouldn't go through. Eventually we had to use my husbands debit card, as we were afraid of loosing the tickets. The next day I contacted them and it was because I used a different computer. Why couldn't they have contacted me to check? Reviewed on: 12th June 2026

One card to pay and collect points.

Convenient having the same card to collect clubcard points and make payment at the same time. Reviewed on: 11th June 2026

Excellent customer service

Tesco clubcard credit card customer services are always excellent, I have never had a bad experience when calling them with a problem. They are unfailingly polite, helpful and efficient. They always keep me informed of my spending, the app is easy to use and to keep track of purchases and transactions. Reviewed on: 11th June 2026

Very responsive and accommodating

Very responsive and accommodating Reviewed on: 11th June 2026

Converted to having a credit card.

About 20 years ago I was very against credit cards but my sister persuaded me to get the Tesco Bank Clubcard credit card which, if I paid in full by direct debit every month, would mean that I could shop more easily online and gain more Clubcard points, which would give me more purchasing power both with Tesco and partners. Moreover, by paying each month in full I. would have more control of my finances and would not pay interest. Over the years it has worked out very well. Every little counts. Reviewed on: 11th June 2026

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