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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.14 (319 reviews)

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4.00

Based on 319 reviews, last reviewed 5th Sep 2025

83% decrease 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

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:

2

Slow very difficult contact when u need help Slow very difficult contact when u need help Reviewed on: 15th June 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 (319)

Declined card

Appalling customer service from Tesco banking. Hubby and I visited Cheshire Oaks Outlet. Out of 130 shops, we made purchases in 12. We had dinner the night before and breakfast before shopping. Decided to pop into Bicester outlet on the way home. Shopped in one shop the our card was declined. NO PHONE CALL, NO EMAIL, NO TEXT. We were abandoned in Bicester with no means to buy fuel to get home and no means to buy food for my husband who is insulin dependant diabetic. Unable to speak to customer services as our passwords are locked in the safe at home. Prime example of Tesco looking after their own interests and not caring about their customer. Presently researching to find a card supplier who cares about their customer. Reviewed on: 5th September 2016

Great!!

Great service and credit card and bonus clubcard points too!! Reviewed on: 5th September 2016

Great rate, friendly call centre

Great rate, friendly call centre Reviewed on: 1st August 2016

Confusing!

Easy to get approved however the on-line figures of amount spent/available are very confusing and never add up! If you manually pay the full amount way in advance of payment day they still take the minimum amount from your bank on the payment day! Cards may get 'frozen' for security if used too much but are automatically 'released' the next morning! Reviewed on: 30th June 2016

Friendly staff plus you earn points with each spend

When I was burgled during the night the thief stole my purse which had several credit cards inside. Well I called Tesco to inform them I was very upset. The lady on sent me a compliments slip and a little note with my new card - it cheered me up no end. I chose to stay with them due to the best customer service. I also earn points for each purchase I make which I save for Xmas Reviewed on: 29th June 2016

Great service, easy payments and fab perks too

I just find everything about it so easy. I got a long interest free period, it's easy making payments, great app that works really well too. They make it easy Reviewed on: 26th June 2016

OK

Get clubcard points when you use your credit card. Reviewed on: 26th June 2016

Convenient Point System.

A credit card with an excellent point reward system. Very good customer service ,especially with lost cards. Due to paying on time and being good customers, our available sum to borrow is automatically put up every year or so Reviewed on: 25th June 2016

Great service !

I have always been pleased with the service when i have needed to contact tesco bank . Never put on hold and helpful staff. Reviewed on: 22nd June 2016

Rewarding and Hassle Free

A great card that combines the opportunity to earn promptly awarded Tesco Clubcard points with a user friendly website and helpful customer service operatives. Reviewed on: 21st June 2016

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