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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

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

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

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