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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

Great card for 1st 17 months

Great card for 1st 17 months, however when the interest kicked in it was very high Reviewed on: 6th November 2015

Good and Great

great for club points club card Really good credit card. I have never had any problems with it and it gives you clubcard points Reviewed on: 5th November 2015

Great way to earn extra money.

I have had a Tesco Bank credit card linked to my club card account for many years and have found it a great way of saving. I use it for most every day purchases and set up a direct debit to clear the balance, every month, so as not to incur charges. I use the points gained every year with a combination of Tescos deals to buy yearly vehicle breakdown cover for my family. This gives me peace of mind and doesn't actually cost me any money. I feel it's a win, win situation. I have found Tesco customer service to be extremely good as well. Reviewed on: 1st September 2015

great for club points

Have not had any problems with this card and it gives clubcard points on your spending Reviewed on: 31st August 2015

very good

Really good credit card. I have never had any problems with it and it gives you clubcard points Reviewed on: 28th August 2015

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

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