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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.12 (321 reviews)

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3.96

Based on 321 reviews, last reviewed 7th Nov 2025

100% decrease 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

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:

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 (321)

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

Very good card and is also my clubcard Reviewed on: 24th August 2024

Great customer service.

Great customer service. Application process straight forward and fast. Reviewed on: 24th August 2024

Good if you are a Tesco shopper

You get Clubcard points with your credit card spends. Reviewed on: 18th June 2024

Clubcard credit card

Good product. easily set up online. Reviewed on: 11th June 2024

Tesco is a great supermarket and a great bank too!

Tesco is a great supermarket and a great bank too! Reviewed on: 28th May 2024

Why I like using Tesco credit card

I like the idea of getting rewards for using a credit card Reviewed on: 24th May 2024

The Tesco bank app isn't the best.

The Tesco bank app isn't the best. You can't click on a transaction and view it's details hence if you've got an issue you've got to always ring them and go through an entire long process Reviewed on: 24th May 2024

Great 0% balance transfer deal!

There was an extensive 0% balance transfer deal which I took advantage of. I've used the website only on a couple of occasions, but it works well, and is easy to navigate around. I can easily plan my payments so that it makes the most of reducing the credit balance that was transferred in. Easy to deal with! Reviewed on: 24th May 2024

Tesco Credit Card for 0% balance transfer

I applied for a Credit Card for a balance transfer at 0%, having been pre-approved. I had not heard anything for about 3 working days but needed to know if I had been accepted so I called them up and the young lady confirmed that I had been accepted and that the card had been dispatched and apologised for me not receiving an email to confirm this. Easy to get hold of and she was able to resolve my query immediately. Reviewed on: 24th May 2024

Best credit card company

They’ve helped me with 2 enquiries and a Section 75 Claim. Customer Service is impeccable and clubcard points are a huge bonus. Reviewed on: 24th May 2024

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