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Tesco Bank: Clubcard Credit Card reviews

Name: Clubcard Credit Card
Rating: 4.14 (317 reviews)

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3.98

Based on 317 reviews, last reviewed 15th Jun 2025

500% increase in 5 star reviews

in the past 90 days

200% increase in 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

Tesco Bank Clubcard Credit Card reviews (317)

Review of the Tesco Bank, Clubcard Credit Card:

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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 customer service!

Easy to use app, so rarely have any issues. However, when I have needed to contact customer services, they have been extremely quick to respond, helpful and efficient. Reviewed on: 22nd August 2023

Card payments

Tesco keep sending letters saying I have defaulted on my payments when my balance is in credit they Reviewed on: 21st August 2023

Nice credit card with clubcard points.

A useful credit card for spending and balance transfers. Reviewed on: 14th July 2023

Good product with an easy to use app

Easy for all to use, a good product that is rewarding too Reviewed on: 13th July 2023

Simple

Easy app to use. Friendly customer service Reviewed on: 15th June 2023

Highly recommended!!

With the Tesco Bank credit card, I enjoy convenience, rewards, and flexibility tailored to my shopping needs. It's the perfect choice for me as a frequent Tesco shopper. I love earning cashback rewards, benefiting from competitive interest rates, and managing my account online with ease. Tesco Bank credit card simplifies my shopping experience and rewards my loyalty every time I use it. Reviewed on: 11th June 2023

Easy to use app

Tesco app easily lets you see how much you’ve spent on the app. Easy to pay off yours credit card directly through bank. App is easy to navigate and use. Reviewed on: 3rd June 2023

Highly recommended Tesco

Happy with Tesco credit card so convenient and easy to apply and use get points when you use it for shopping and buying on line highly recommended Reviewed on: 2nd June 2023

Perfectly helpfully

Credit card helpfully spend money for products Reviewed on: 31st May 2023

Understanding and reasonable

They are a lot easier to deal with than other credit cards, you get to talk to a real person. Reviewed on: 31st May 2023

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