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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 3.98 (325 reviews)

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3.98

Based on 325 reviews, last reviewed 19th Feb 2026

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

56%

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.

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Tesco Bank Clubcard credit cards reviews (325)

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

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

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