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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 3.87 (346 reviews)

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3.87

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)

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

Stress-free Credit Card

Easy to set up the credit card, quickly let you know if they accept you, generous credit limit, do not hassle me or send me loads of post, easy to make payments, long period of interest free credit, easy to complete balance transfer from previous credit card. Only downside is the app is a bit clunky and could be more user-friendly. Reviewed on: 4th April 2018

Great credit card

I love that I collect club card points as I spend. Reviewed on: 10th February 2018

Easy no issues

I pay off the card every month so no issues with interest rates. Easy way to get clubcard points without worrying about loyalty cards Reviewed on: 8th February 2018

Great to build up extra clubcard points

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

Awesome

Lovely friendly client customer service Reviewed on: 3rd February 2018

No charges

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

an ok experience

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

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