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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.13 (320 reviews)

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3.98

Based on 320 reviews, last reviewed 8th Oct 2025

67% 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

They are a pain. They are a pain. When you do a balance transfer on other credit cards the statement tells you the end date. With Tesco Bank it doesn't put any dat... Read more Reviewed on: 8th October 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 (320)

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

Great card with benefits

I initially signed up for the Tesco credit card to take advantage of the 12 mths interest free period for both balance transfer and purchases. The application was quick and simple and the balance transfer was completed quickly and smoothly. I've dealt with everything online and this is easy to access the only gripe with this is every time i clear my internet history it no longer recognises my computer and i have to wait for a text for an access code; not a huge hassle but can be frustrating. Reviewed on: 24th April 2015

amazing deals and offers

this is for everyone and anyone who wants to save on their shopping. Reviewed on: 23rd April 2015

Overzealous security forgets we're not all urban.

I initially applied for this card because I liked the idea of getting clubcard points on everything. Sounds like a fair deal to me, no faffing around with other reward schemes, just good old clubcard. I was accepted and after putting in seemingly endless permutations of passwords I was told that if I needed to "change computer" I would have to receive a text message with a code. All very well, and probably reasonable to most people but out here not so much. There's no signal. While I do own a mobile it sits perpetually flat in the bottom of my handbag because there's just no point unless you're going into town. Of course landlines can receive text messages perfectly fine, and of course they've not thought of this- the only numbers accepted are those starting with 07. Now you may wonder how often I change computers. And not often would be the answer. But having had experience with other similar systems the dynamic IP address does tend to confuse them and often it can be every time I go to use the site that these security measures kick in. Frustratingly it allowed signup without a mobile number. If the field had been not optional I wouldn't have bothered. Reviewed on: 22nd April 2015

Quick and efficient service

I applied for a Tesco credit card and I found the process very quick and efficient from start to finish. They kept me informed throughout the whole process and gaveme a decision very quickly. Once the decision was made I received my card within a few days and pin not long after. I found their introductory rate very competitive and fair. I would definitely recommend Tesco credit card to friends and family Reviewed on: 21st April 2015

it was so amazing and now im saving a lot

i think it was amazing because the person who gave it to me was very nice and kind and i now know that i don't have to use cash when i have this clubcard . Reviewed on: 9th April 2015

A very good service

I love collecting points as You can spend your vouchers at tesco.com, in store or on Tesco fuel. Or get up to four times the value by boosting them with one of the Boost partners. Reviewed on: 26th March 2015

Excellent service

Excellent service, great to deal with. Reviewed on: 26th March 2015

Fantastic customer service and great introductory rate

I opened a tesco credit card account with a no interest introductory rate on balance transfers. The procedure was quick and easy and I was given a decision very quickly. Since then the service has been great. The introductory rate is still going and I am very happy with the service, I would recommend tesco credit card to all my family and friends. I am a happy customer Reviewed on: 25th March 2015

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