Write a review

Tesco Bank: Clubcard Credit Card reviews

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

View other Tesco Bank products

3.98

Based on 317 reviews, last reviewed 15th Jun 2025

500% increase in 5 star reviews

in the past 90 days

No new 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

Read all reviews See your review

About this product

Tesco Bank Clubcard Credit Card reviews can help you to find out about the pros and cons of the Clubcard Credit Card credit card. What kind of features do Tesco Bank customers like? Find out more about the Tesco Bank Clubcard Credit Card by reading our trusted Smart Money People reviews. You can also write your own Tesco Bank Clubcard Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Tesco Bank Clubcard Credit Card reviews (317)

Review of the Tesco Bank, Clubcard Credit Card:

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

Great service

Great service Always helpful Fab interest free on purchases period Also acts as a club card and spending earns me club card points Reviewed on: 29th June 2017

Tesco bank is the worst

Poor experience. Terrible customer advisers. You're better off keeping your money in a shoe box under the bed. Reviewed on: 23rd June 2017

Best credit card with Rewards

I am using Tesco Bank credit card since last 5 years and found most rewarding card. Dine out offers are amazing. Reviewed on: 22nd June 2017

Credit Card

Easy application process, friendly customer service, good rewards, very low APR Reviewed on: 22nd June 2017

Great way to earn clubcard points

I had 21 months interest which I thought was really generous. Reviewed on: 12th June 2017

Fabulous Tesco!

Very quick, did a balance transfer, perfect! Reviewed on: 12th June 2017

Points

Great credit card, earn clubcard points too Reviewed on: 12th June 2017

No fees, no hassle

Great credit card. Does what it says, and you get extra clubcard points (although less than we used to get) Reviewed on: 11th June 2017

Great if you pay in full

Never had any problems. By paying balance in full each month no cost to me but get additional clubcard points which I convert into decent rewards every so often Reviewed on: 11th June 2017

a card with rewards

great customer service, easy online access and Tesco clubcard points on every spend Reviewed on: 11th June 2017

Do you have a different Tesco Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit Card
from first direct 4.07 from 26 reviews
Platinum Credit Card
from Barclaycard 3.87 from 313 reviews
Student Credit Card
from NatWest 4.31 from 6 reviews

Want to see more from Tesco Bank?

Current Account
from Tesco Bank 4.40 from 68 reviews
Life Insurance
from Tesco Bank 4.25 from 2 reviews
Instant Access Savings
from Tesco Bank 4.00 from 5 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub