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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

Clubcard points

The Tesco Clubcard Credit Card is great because of all the extra clubcard points you get when spending Reviewed on: 28th November 2016

Great Credit Card - no problems!

We hadn't had a credit card before but decided to get one to benefit from the Clubcard points. It was quick and simple to set up, cards came really fast, it is simple to understand the bill and pay via online banking each month. No problems at all and we are earning Clubcard points for all our spending :) Reviewed on: 16th November 2016

great product

Great customer service from Tesco Reviewed on: 6th September 2016

Tesco CC has enabled us to have family holidays in lean times

We both hold tesco credit cards & use them to build up points which we then boost for our ferry journeys to go on holidays in the summer. Tesco CC have been great to deal with whenever we've had any trouble with fraud too. Reviewed on: 6th September 2016

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

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