Write a review

Go to business site

Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.13 (324 reviews)

View other Tesco Bank products

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

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 (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

Good company, looks after customers

Great way to earn Tesco boost vouchers for meals out Reviewed on: 2nd May 2017

Great service from Tesco Credit Card

Tesco credit card is so good because you are able to earn Clubcard points every time you use it - these can then be exchanged for Clubcard Rewards which is a great benefit. It is also very simple and clear to view your transactions and make payments. Reviewed on: 1st May 2017

Great for Tesco shops

I only use this for shopping in Tesco, but the points add up very quickly, and are very useful. Never had an admin problem, customer service has been very good. so fully happy. Reviewed on: 30th April 2017

Highly recommended

Never had any issues with Tesco credit card and it helps build your points balance really quickly which we trade in for meals out and cinema tickets. The only complaint would be the website could do with some modernising, but it is still pretty user friendly. Reviewed on: 23rd April 2017

Convenient and practical

Tesco Clubcard has made it easier to save and spend money wisely, as well as to provide the security and flexibility to make my money go further. Reviewed on: 14th April 2017

Great family savings

Fantastic bonus back when using Tesco Bank x have used money back vouchers for days out and savings towards Christmas Reviewed on: 4th April 2017

excellent product

this is an excellent product with great rewards which can be spent on shopping or swapped for greater rewards to spend with other companies Reviewed on: 4th April 2017

Earn Points for Shopping

This card allow you to earn Tesco Clubcard points just for shopping which works out very well, especially if you boost the points. Reviewed on: 4th April 2017

Simple customer service. No complaints

Takes awhile to get threw, but are always helpful when I do. Lots of products to choose from. Reviewed on: 4th April 2017

Every Little Helps

It is so convenient to use and as I pay off the balance at the end of the month, it costs me nothing but I earn points for later purchases. Reviewed on: 3rd April 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

Charge Card
from American Express 4.05 from 24 reviews
Fluid Credit Card
from NewDay 4.37 from 103 reviews
Credit Card
from thinkmoney 1.40 from 2 reviews

Want to see more from Tesco Bank?

Life Insurance
from Tesco Bank 4.40 from 2 reviews
Current Account
from Tesco Bank 4.35 from 67 reviews
Instant Access Savings
from Tesco Bank 3.89 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