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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

Credit card

Have used this for 5+years, MasterCard is accepted in many place I visit & have had no issue. Bill paid off by Direct Debt each month Reviewed on: 24th December 2016

Good For Points

I like the fact that I can collect Clubcard points with my spending on my card no matter where I am but my card doesn't really offer me any other incentive/reward for staying with them. Reviewed on: 24th December 2016

Great creditcard

I like the credit card. Interest free on purchases for 22 months is great! I also really like the app and would recommend this to other people. Reviewed on: 21st December 2016

Great collecting clubcard points

clubcard points are great as I use the points for savings on family holidays Reviewed on: 19th December 2016

Better than most banks

I use Tesco credit card and it's very good. It gives longer 0% interest free time than most banks. Reviewed on: 19th December 2016

Love it

I love my tesco clubcard credit card as i gain loads of clubcard points whilst i spend on it, so its great Reviewed on: 19th December 2016

Got a good deal

I use the Tesco clubcard and they are fine, had a good deal with interest free Reviewed on: 16th December 2016

Clubcard points bonuses

I like using the Tesco credit card for the extra club card points I gain when shopping Reviewed on: 15th December 2016

Fine

I use a Tesco CC and it's fine. I pay off monthly, so never have any issues or concerns about APR etc. Reviewed on: 13th December 2016

Pay it off and it's amazing

The Tesco Mastercard is amazing as long as you pay off the full balance each month so no interest charged. No fees and I collect extra clubcard points to get free days out! Reviewed on: 12th December 2016

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