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

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

Every Little Does Help

Had a Tesco credit card for years and always felt very valued. Able to collect loads of points in store and anywhere when buying. Great to have some rewards when shopping! Reviewed on: 24th December 2016

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

Everyday spending credit cards
from Halifax 4.01 from 74 reviews
Everyday Credit Card
from Creation 2.71 from 20 reviews
Credit Card
from Metro Bank 4.86 from 879 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