Write a review

Go to business site

Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.12 (321 reviews)

View other Tesco Bank products

3.96

Based on 321 reviews, last reviewed 7th Nov 2025

100% decrease 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

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

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

Read all reviews See your review

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 (321)

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

"Tesco Bank" is Great!

Tesco Bank is great!, they have looked after me and without asking, supported me despite any changing financial situation. Reviewed on: 23rd April 2025

Brilliant Service.

Brilliant Service. Been using Tesco for many years and they are always do the best service! Reviewed on: 17th April 2025

Really easy and efficient transfer process

Really easy and efficient service when transferring from my old credit card to their incredible 28month interest free offer. I had some questions and found their contact centre to be easy to connect to and the staff are incredibly helpful. Reviewed on: 17th April 2025

Tesco rewards partner Hotel.com

Used a Tesco Voucher to book a hotel through Hotel.com. Due to a technical issue with Hotel.com I was overcharged. Hotel.com didnt want to know neither did Tesco. Expected some support from Tesco but they just simply didnt want to know and said it wasnt their problem. Reviewed on: 24th March 2025

Tried to open a new account unsuccessful but not to...

Tried to open a new account unsuccessful but not to disappointed Reviewed on: 26th February 2025

very helpful and beneficial I am very happy to th...

very helpful and beneficial I am very happy to this tesco bank Reviewed on: 17th January 2025

Good using Chargeback to resolve disputes.

Good using Chargeback to resolve disputes. Can't download app on my Samsung A8 Tab, one of the most popular tablets in the world! Reviewed on: 17th January 2025

Scam, robbers.

Had a credit card for a few years. They know my pay gets paid last working day of thr month and refuse to change my payment date to anyway near my payday then charge me £12 every single month. Reviewed on: 31st October 2024

Fast Customer Service.

I have only had one problem and it was satisfied quickly. Reviewed on: 4th September 2024

Tesco Bank gives me everything I need.

Tesco Bank gives me everything I need. Their app is awesome too! Reviewed on: 26th August 2024

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

Partnership Card
from John Lewis 1.32 from 882 reviews
Platinum Purchase Card
from TSB 2.25 from 8 reviews
Classic Credit Card
from Bank of Ireland 2.41 from 5 reviews

Want to see more from Tesco Bank?

Life Insurance
from Tesco Bank 4.40 from 2 reviews
Current Account
from Tesco Bank 4.38 from 68 reviews
Instant Access Savings
from Tesco Bank 3.90 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