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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

Hassle free account

Never experienced any problems with this provider. Reviewed on: 23rd May 2017

Tesco Bank

Would not trust them with one penny Reviewed on: 18th May 2017

Caught a fraudster before I did

I was a victim of ceedir card fraud after thinking i was giving my details to amazon social media . Tesco immediately contacted me after the fraudster tried ro use my card to order pizza Reviewed on: 15th May 2017

Fine but no great benefits

I have used tesco credit card for a few years now. It is my main supermarket so I thought it made sense as it could result in extra clubcard points. I once used it to buy a £6000 kitchen and was surprised that I only gained £11 clubcard points that month. I should really swap, I'm sure there are better rewards out there. Plus, I keep having log in issues on their site which is a pain. Reviewed on: 8th May 2017

Clubcard points on all your shopping

Great credit card linked to your Tesco Clubcard, so you earn points whenever you use the card whether it be in Tescos, online, eating out - anywhere!! We use all the extra points for Days Out vouchers. Reviewed on: 7th May 2017

If I'm honest I have to admit I chose them for the Clubcard points

However they have been a very decent credit card provider. I pay off the balance each month and it was simple to set up a direct debit to do this. The statements are simple to read. There's no bells or whistles but there are Clubcard points to be had. Reviewed on: 7th May 2017

Great Credit Cards

I've had 2 different credit cards with Tesco Bank over the past few years and have always found them great value and very friendly/helpful/professional every time that I have needed to contact them. I'd definitely recommend them to everyone I know!! Reviewed on: 6th May 2017

Fabulous card

Great service, reasonable points scheme and always fast to sort us out when my husband loses his card - EVERY time he goes to London! Reviewed on: 4th May 2017

Spend as you earn

Great way to earn points when you spend and also you can make the points go further when you can double your points on certain promotions. Reviewed on: 2nd May 2017

No problems

Ive had my card a fair few years now. I like how I am sent an email each month telling me my new statement is ready to view. It is so easy to view and pay. Reviewed on: 2nd May 2017

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