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Tesco Bank: Clubcard credit cards reviews

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

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4.00

Based on 324 reviews, last reviewed 22nd Jan 2026

200% increase 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

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.

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Tesco Bank Clubcard credit cards reviews (324)

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

Getting rewards for using card.

Very stress free card and process. You get rewards for using it and can access it on line with no problems. Reviewed on: 2nd January 2017

No problems, but needs to modernise

I've never had an issue with the card, but the online system for payments and statements just feels very old-fashioned and could do with a makeover to make it a bit more visually appealing and user friendly. Reviewed on: 1st January 2017

Hassle Free and Rewarding

I've been with Tesco Bank for only a couple of weeks so far but am pleased I can collect loyalty points by using their credit card. I'd have been keener still to recommend the card if it awarded more points per purchase though... Reviewed on: 31st December 2016

Closing account

I had been fairly happy with the account but decided to cancel it as it wasn't my main account. It took a few phone calls and seemed like a long drawn out process. The staff were friendly and helpful throughout the procedure maintaining a professional image. Reviewed on: 24th December 2016

Use to be great

Clubcard really did reward in the past. I've found that loyalty bonus points are not really handed out anymore, if they are it's not much. 5 years ago, I managed to save my points to take my family on a holiday to Jamaica, that would be impossible now. Reviewed on: 24th December 2016

No problems

I had a credit card with tesco bank and got an offer sent through for 0% purchase card. It was easy to apply for it online and the app on my phone shows both cards separately and is easy to do everyday transactions using it and set up the direct debit Reviewed on: 24th December 2016

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