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Tesco Bank: Clubcard Credit Card reviews

Name: Clubcard Credit Card
Rating: 4.14 (317 reviews)

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3.98

Based on 317 reviews, last reviewed 15th Jun 2025

500% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

57%

22%

10%

Latest highest rating:

4

Tesco is hard to beat Never any problems, not a bad word to say Reviewed on: 13th June 2025

Latest lowest rating:

2

Slow very difficult contact when u need help Slow very difficult contact when u need help Reviewed on: 15th June 2025

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About this product

Tesco Bank Clubcard Credit Card reviews (317)

Review of the Tesco Bank, Clubcard Credit Card:

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Absolutely shocking company. I wish I had read these bad reviews years before opening a credit card account with them... Do not even deserve 1 star as others have said. I was in an ongoing complaint about how I had no notification about owing them money. It was a year and 8 months later and I only found out then when there was interest and they had defaulted my account and passed a debt I didn’t know I had onto debt collectors who have been hounding me. After calling Tesco furious and in shock, I was told they tried to send letters to an address I wasn’t at and their process can’t email. How ridiculous that they would let their loyal customers feel like this and put them in a position of financial difficulty. I had to call back several times and was kept waiting and receiving letters from a debt collection service before my complaint had even been resolved!! They did not think to email me on the address held on file in all of that time and instead assumed I was ignoring them, defaulted my account (without me knowing), ruined my credit score and passed my details onto debt collectors! Incompetent staff and managers are none the wiser. I’ve never missed a payment in my life, nor am I irresponsible with my money. The lack of customer empathy and service was disgusting. I expected more from a big company like Tesco. If I had known I had this debt (I paid my last payment and put the credit card to the side - a unauthorised payment came out after without my knowledge) I would have been able to either pay it or query it immediately. However the effort was not made to contact me in an effective way after so long. The call handlers offered no resolution or understanding and I have had to go through a debt company with a damaged credit score because of their lack of service. Did not accept any responsibility or resolve my complaint. As a former employee for a big Successful financial company, I can tell you that this Tesco Bank is extremely poor.. from their policies, to their staff.. Staff need to be trained on people skills, their complaints policies need to be revised and improved and the company needs to read these reviews in order to improve their service otherwise they won’t last long.. Will be taking this to the Ombudsman service and FCA. As a loyal customer, I am absolutely appalled and disgusted by the service I have received today and will never use Tesco Bank again. Reviewed on: 25th June 2020

Credit Card Rewards

This is a good card but the rewards used to be a whole lot better! There aren't as many benefits as there used to be so which is a bit disappointing. Reviewed on: 27th April 2020

bank robbers

Beware this company will try to trap you into paying them the interest as the make it impossible to get a balance transfer as the will keep on reducing your limit,so that your credit score reduces making it impossible to ever get a balance transfer offer. So beware even if you make extra payment to increase your available credit this wont work as they will make sure of it. They are no better than bank robbers. They wont be getting the £500.00 a month fuel I buy each month either now. Reviewed on: 21st February 2020

£650 Pound in 5 weeks Tesco Clubcard earned via Post from Tesco£3.00

£650 Pound in 5 weeks Tesco Clubcard earned via Post from Tesco£3.00 Kept All Receipts Every little helps Tesco right? no reply from Dundee or Warrington Stamps 61P X2 My Advise switch Free Delivery at Iceland Lidl value for money Aldi same no gimmicks Fr Anthony Rainbow Bridge Sanctuary for Cats Blackpool Reviewed on: 17th February 2020

Always been fair

Good customer service, have always sorted any issues quickly. Reviewed on: 8th February 2020

Easy

Easy online banking. Never a hassle. Reviewed on: 7th February 2020

Superb Service

Have had this credit card now for many years and I'm very happy with the website, app and the ability to earn clubcard vouchers. Cant think what would tempt me to look elsewhere!! Reviewed on: 6th February 2020

IF YOU VALUE YOUR SANITY - GO ELSEWHERE, YOU HAVE BEEN WARNED!

This has to be the worst credit card company on the planet!!! Reviewed on: 6th November 2019

good experience

slight issue with direct debit not set up, but fee was reversed and all sorted with a phone call Reviewed on: 30th July 2019

credit card

Good credit card Get points on your clubcard each time you use the credit card Affordable interest rates Reviewed on: 26th July 2019

Poor Employee Communication

I had phoned up to make initial payment and then make a date to set up a standing order which didn't get put through which meant missed payment. When ringing to find out what had happened no date had been put in the system and then this employee left no notes so other employees kept ringing to ask for payment! Reviewed on: 8th June 2019

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