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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.14 (318 reviews)

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3.97

Based on 318 reviews, last reviewed 21st Jul 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

22%

10%

Latest highest rating:

4

Tesco is hard to beat Never any problems, not a bad word to say Reviewed on: 13th June 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 (318)

Very helpful and informative

I took out Tesco Clubcard Credit Card in order to do a balance transfer. The process was quick and straight forward. Tesco were prompt in sending out the relevant documents and opening the card. Once activated the balance transfer went straight through and took less then 2 working days. They transferred more than was needed (this was my error not theirs) I rang them up and they were helpful and polite. They provided a number of solutions and were very happy to help. Overall I have been very impressed with Tesco. Reviewed on: 26th August 2015

Clubcard points are the only thing keeping me.

We've had a Tesco Clubcard Credit card for a number of years now. The credit card itself is the same as every other credit card. Online banking, mobile apps and call centres that are difficult to get through to. The only bonus of this card compared to others are the clubcard points. Reviewed on: 26th August 2015

Great if you're a clubcard point hoarder

I wanted a new credit card which gave me decent rewards - I always pay in full every month and to me it's a no brainer not to get a bit extra back. I was rejected by Santander 123 as my credit score wasn't good enough, so after a while I applied for tesco instead. The rate of return on points isn't brilliant but is better than nothing and I earn about 100 points per month. As tesco do a lot of boost deals this could be exchanged for up to three times the value - not bad. Reviewed on: 26th August 2015

Normal credit card but can earns you extra Tesco points

I've been a customer of Tesco credit card for a while. Great card as long as you pay the balance off in full every month which is easy to do as you can set this up as a direct debt so you don't have to remember to do it manually. Card works fine and earns extra Tesco points on pretty much everything it is used for, even shopping for food at other supermarkets earns you points. I have had a few fraudulent uses of the card but Tesco cleared this up very quickly. Overall it works well but just pay off the balance in full every month to avoid charges. Reviewed on: 26th August 2015

Great credit card

This was a great credit card for us - it had a good deal for 0% interest on purchases, and you could earn Clubcard points for your spending. It worked well when using it to purchase an expensive item, and we managed to pay it all off before the deal on interest ran out. Good stuff! Reviewed on: 26th August 2015

very fast and straight forward

it only took me 15 min to have my credit card up and running. Everything was clear and very fast without any hassle. thank you Reviewed on: 10th August 2015

Good customer service but they're a bit behind in technology

I have a clubcard Credit Card with Tesco. The first thing is that the clubcard rewards points you get with this are great, and the interest is low. The only issue I have with them is that, if you want to lower/increase your credit or make minor changes to your account, you have to call them, there is no option on their website to do this yourself. As their number does charge, I really think they need to do some work on their website to bring it in line with their competitors. Otherwise, excellent card that I'd recommend! Reviewed on: 9th August 2015

This wanted to know too many financial details, making it difficult to apply

I wanted to apply for a credit card, but was put off by the amount of questions Tesco were asking about financial details. This put me off because I thought there was a greater chance of being rejected and thus have a negative impact on my credit rating. Reviewed on: 7th May 2015

Excellent service from the fraud team

Tesco's fraud team were quick to pick up an attempted fraud on our card. Stopped the transactions, cancelled the card, contacted us to let us know and issued a new card all within 12 hours. Really happy to know that they are there keeping an eye on our accounts. Reviewed on: 6th May 2015

Unhelpful and patronising customer services

I recently lost my job and contacted Tesco to see what my options were re: my credit card debt with them. They could not have been less helpful. Their solution to my problem was to give me the option of an increased interest rate, or to close my account. Needless to say, I chose the latter! Won’t be banking with Tesco EVER again. Reviewed on: 24th April 2015

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