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Tesco Bank: Clubcard credit cards reviews

View other Tesco Bank products
3.98
Based on 320 reviews, last reviewed 8th Oct 2025
67% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
57%
See only 4 star reviews
22%
See only 3 star reviews
9%
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2%
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10%

Latest highest rating:

5

Clubcard benefits I love using my Tesco credit club card all year to save points and then spend them on double up reward partners. It feels like money for nothing! Reviewed on: 5th September 2025
Jac's avatar
Jac

Latest lowest rating:

2

They are a pain. They are a pain. When you do a balance transfer on other credit cards the statement tells you the end date. With Tesco Bank it doesn't put any dat... Read more Reviewed on: 8th October 2025
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Julian H
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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 (320)

Great to build up extra clubcard points

5
I generally use my credit card for everyday spending and pay off in full each month to enjoy the clubcard points it generates. I very good bonus Reviewed on: 8th February 2018
Jolene's avatar
Jolene

Awesome

3
Lovely friendly client customer service Reviewed on: 3rd February 2018
Nandi Mgwadlamba's avatar
Nandi Mgwadlamba

No charges

5
Pay in full monthly, to avoid interest charges, and collect Tesco Clubcard points as well. All good. Reviewed on: 17th January 2018
Lindsey Wells's avatar
Lindsey Wells

an ok experience

3
I've had a loan with Tesco interest rate was really low, but the pay back date latest they could do this was on the 25th but my pay day was on the 28th so payments got missed and they weren't able to help me, but overall it was an okay company to get a loan with. Reviewed on: 3rd January 2018
Bethany noble's avatar
Bethany noble

They cancelled my card with no warning - as an "industry wide prevention measure"

2
I actually can't believe this just happened. I have had a Tesco credit card for many years. Usually if they think there has been fraudulent activity, they ring you to confirm your transactions. Today I received a text stating my card had been cancelled due to an "industry wide fraud prevention measure". I phoned them to confirm, and they said that it was correct, and a large amount of people have been affected. The new card will come in 9 working days!!!! This is so inconvenient - I am going abroad next week - I was planning on using my credit card, as I don't like carrying large amounts of cash with me. I am so mad about this. They are not even giving a proper reason why so many people have been affected. Ive had credit cards for over twenty years, and never been in such a mess :( Reviewed on: 6th December 2017
Anonymous's avatar
Anonymous

Not a great start

1
Applied for the account over 2 weeks ago, still waiting for my card. Lots of confusion & not a great deal of help. Fingers crossed it gets better from here! Reviewed on: 1st December 2017
Michael Harris's avatar
Michael Harris

no loyalty

1
I have had a tesco credit card for 14 years. I have spent over £740,000 on that card. I was 6 days late paying and have been charges £70 interest and £12 late payment fee. They are venal, smug and immoral, and from now On I will never, ever transact with tesco again Reviewed on: 21st November 2017
tom ryves's avatar
tom ryves

no loyalty

1
I have had a tesco credit card for 14 years. I have spent over £740,000 on that card. I was 6 days late paying and have been charges £70 interest and £12 late payment fee. They are venal, smug and immoral, and from now On I will never, ever transact with tesco again. Reviewed on: 21st November 2017
tom ryves's avatar
tom ryves

Does what is says on the tin

5
Good product, points accumulation a bonus. Efficient customer service especially with issues of fraud Reviewed on: 20th November 2017
ailsa sheldon's avatar
ailsa sheldon

Great Card Extra Points

5
I initially took out my CC to help my credit rating (buying a house), never had a problem with my card and they always have great offers to help save me money (0% transfers) and then I get bonus points too. Thank you - 12 years a customer Reviewed on: 8th November 2017
Georgina Clutten's avatar
Georgina Clutten

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