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Tesco Bank: Clubcard credit cards reviews

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

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3.99

Based on 324 reviews, last reviewed 22nd Jan 2026

200% increase in 5 star reviews

in the past 90 days

100% decrease 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:

Read the reviews on trust pilot

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

Good for collecting clubcard points

I chose the card so that I can collect clubcard points. I use it to pay for my weekly shopping at Tesco, earn the extra points and then pay it off straight away. Could do with a bigger credit limit, but I have another card for that. Reviewed on: 13th June 2018

Unusual spending on account

I use my credit card for my usual monthly spend - groceries, petrol and intermittent clothes shopping. It had been my son's birthday and he received some cash but wanted to buy online games. Using my credit card we made purchases on a site we have used before but not to such a large amount. I received a phone call within minutes from Tesco checking the purchase was made by us as it wasn't my usual spend. I thanked them for keeping an eye on my account. Sometimes it's good that big brother is watching you! Reviewed on: 10th June 2018

tesco credit card

i have had a Tesco credit card for just under a year the intrest rates are good and i am always being sent offers. the online site is easy to use and the customer service is good. i would recommend this card Reviewed on: 3rd June 2018

Excellent Customer Service

I have had a very positive experience with Tesco both in relation to credit cards and personal loans. Transactions have always been dealt with quickly and efficiently and the customer service is excellent. Reviewed on: 30th May 2018

Tesco clubcard credit card

The application process was straight forward. The app is really easy to use and the clubcard points is a bonus! Reviewed on: 19th May 2018

Still happy

We have had a Tesco MasterCard for years. They have provided flawless service especially when there have been fraudulent issues with cards. However the points system is not as good as it once was Reviewed on: 14th April 2018

Benefits

great way of spending and accumulating rewards Reviewed on: 10th April 2018

Thieves

Tesco just charged me £66 interest with a minimum payment of £66 on my £0 card balance. Their oh so unhelpful phone staff tell me for sure you have hidden things in your nasty 200 page terms and conditions allowing them to perform such highway robbery. Not a single member of my family will ever ever touch another tesco banded product. Reviewed on: 9th April 2018

A good credit card with good customer service

Had this card for a couple of month with no problems. Great customer service and can easily be managed via the Tesco bank app. Reviewed on: 5th April 2018

Great card with points

Use my credit card to live off and pay the balance every month. Receive Clubcard vouchers every 1/4 which get converted to Pizza Express vouchers. Saving ourselves a small fortune in eating out! Reviewed on: 4th April 2018

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