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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.13 (324 reviews)

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4.00

Based on 324 reviews, last reviewed 22nd Jan 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

22%

10%

Latest highest rating:

5

Excellent Customer Services Staff. Every time I have contacted customer services they have always resolved my issue, their customer service staff are excellent, always polite, able to h... Read more Reviewed on: 22nd January 2026

Latest lowest rating:

1

Untrusty Credit Card when abroad. After contacting Tesco to inform them we were going abroad and being told that it was NOT necessary, my card was blocked when trying to make a substan... Read more Reviewed on: 7th November 2025

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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.

Tesco Bank Clubcard credit cards reviews (324)

Review of the Tesco Bank, Clubcard credit cards:

Great customer service.

Great customer service. Application process straight forward and fast. Reviewed on: 24th August 2024

Tesco Clubcard Credit Card

I love this card as you get clubcard points every time you use it ! Reviewed on: 24th May 2019

Friendly, knowledgeable staff

We have a Tesco Clubcard Credit Card. We have had no issues with this card and chose it because we got 30 months interest free on purchases. We mainly interact with them through online banking but, on the occasion that I have had to call them, I have always been impressed that my phone call has been answered promptly. Also, the I have always found the staff on the phone to be extremely helpful, always managing to solve my query. Reviewed on: 11th May 2019

Full refund when firm went bust

Emoov went into receivership and Tesco Bank refunded my full payment which was brilliant Reviewed on: 10th May 2019

Helped build my credit rating

Very clear interest rates, easy to use, and helped build up my credit score. And with the added bonus of earning extra club Card points! Reviewed on: 8th May 2019

A no-brainer

Shopping at Tesco regularly, this credit card was a no-brainer, linking Clubcard points with purrchases and benefiting me. Reviewed on: 29th April 2019

Not as rewarding as it used to be

Since the reduction in Clubcard rewards, the credit card isn't as rewarding as it used to be for those that pay off the balance in full each month. Reviewed on: 21st April 2019

tesco

I had this card on a long purchasing deal and also collected a lot of clubcard points Reviewed on: 16th April 2019

Great rewards & excellent customer service

I've been with Tesco Bank for many years & their customer service is second to none. I love the rewards scheme especially as you get more points when you shop with Tesco Reviewed on: 15th April 2019

Fantastic customer service.

I have been a customer of tesco bank for car insurance and the clubcard credit card. The customer service i have recieved has been consistently excellent. Nothing is ever to much triuble, wait times are low and staff are very knowledgeable. Reviewed on: 10th February 2019

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

I am convinced there is no worse bank on this planet! They switched-off my paper statements, meaning I had to ring them to know how much and when to pay them. They assured me on many occasions that I would not be penalised for what was "their" error. Despite their assurances, I was and still am being penalised for their incompetence!!! Late Payment charges have been applied that I have not paid. They refuse to address the problems, even though I have written to both their previous and their current CEO's, but have notified Credit Reference agencies that "I am a bad payer". I have reported them to Rip Off Britain and Watchdog and am actively considering suing them for professional negligence! Reviewed on: 24th January 2019

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