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Tesco Bank: Clubcard credit cards reviews

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

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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

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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 (321)

Review of the Tesco Bank, Clubcard credit cards:

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

Excellent service, customer service is really good and easy to use

I find Tesco clubcard credit card service excellent.. I have never had any issues and find paying extra tonwars sthe balance, easy and straight forward. Reviewed on: 15th March 2017

money grabbing company

bad experience because they are greedy Reviewed on: 12th February 2017

Reliable and secure

Tesco Bank Clubcard Credit Card has been brilliant. They seem to constantly monitor my spending so that if there's any unusual activity, they're onto it. It's always good to know they're on top of things like that. And I earn Clubcard points on my spending too! Reviewed on: 12th February 2017

great

no problems ever - I use the additonal clubcard points towards diy products and white goods to renovate my house Reviewed on: 11th February 2017

Good Offers

Good offers for interest free periods sent through regularly. Only issue being that I was given a new club card number and didn't realise so my points weren't going to the account I checked. Customer service are very quick and helpful to sort out any issues including fraud attempts. Reviewed on: 7th February 2017

Absolute Rubbish.

They have no right to be called a bank as they have absolutely no idea what they're doing. They fail to send out statements so that you can pay your credit card bill on time then charge you a late payment fee and interest because your payment is late due to their incompetence. They tell you that you've chosen to have your statements sent by e-mail when you haven't. They tell you that their e-mails to you have bounced back - there's a good reason for that! They've used the wrong e-mail address. I'm trying to ascertain if they've sent my credit card statement to somebody else. If I find that they have, I'll sue them for breach of data protection. Reviewed on: 7th February 2017

Not as good as they used to be

Tesco used to give you a clubcard point for every two pounds you spent with your card, but changed it to one every eight pounds which is very different making the rewards much less Reviewed on: 5th February 2017

Tesco bank credit card

I applied for Tesco credit card, but I was declined. Tesco doesn't even provide soft credit check option. It goes straight to hard check and spoils credit history. I applied for Barclay and they accepted it. I never had bad credit history. I would suggest customers not to apply for Tesco credit card or loans. I called customer service and I was told that tesco doesn't have copy of my credit score. I have to order my credit check through third-party. Few of those listed on the refusal letter just to make money. Reviewed on: 4th February 2017

Does what it says

Collect clubcard points with this card. I always pay balance in full, so no charges. What more can you ask for? Reviewed on: 26th January 2017

Customer Service

Great customer service can never do too much for the customer ! Reviewed on: 12th January 2017

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