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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

I's Just Great!!!

Tesco It's a Bank that looks after you Reviewed on: 9th March 2023

Just easy

A really easy way of building up Clubcard points. The number of points gained per pound spent is reasonable but obviously it’s beneficial to spend more in Tesco to make the most of it. The app is also easy to use and it’s easy to pay off individual transactions Reviewed on: 25th February 2023

Best bank

Excellent offers and with the best customer services Reviewed on: 21st February 2023

Love my club card credit cards

You can have two and allows balance transfers, even from store accounts. Love it Reviewed on: 18th February 2023

Average

Tesco Bank has an ok app, sometimes feels clunky... Really good for people who are new to credit, and offer regular credit increases. Reviewed on: 17th February 2023

Love it

Love that I can collect points as I spend. I often put the points towards rewards vouchers for meals out Reviewed on: 8th February 2023

Good credit card

This credit card works well as it encourages you to earn clubcard points. I like that as a benefit for using the credit card. The app is fairly basic and does not always work properly when it comes to showing my recent transactions. I would still recommend the clubcard credit card. Reviewed on: 8th February 2023

Don't get a Tesco credit card!! They'll screw you over!

Had a few bad experiences with this card over the years. Blocked many times when travelling making it useless as they couldn't unblock it till my return. Also had it cloned....twice. But the latest experience was too much! Rented a car in Spain, got wrongly charged for expensive insurance. Was told by customer services, a Miss Danielle Cameron, that it was my fault because I'd entered my PIN at the rental desk (despite them saying it was for a security deposit). This woman has refused 3 times to reconsider saying it's not their problem. Wouldn't even give me vouchers as a good will gesture, so stuff them! Tesco can go and take a running jump! I've been a huge and loyal customer all my life and for a relatively small sum they've thrown that all away. They'd have made back that money 10 times over in a couple of years from me. Reviewed on: 8th February 2023

So far ahead of the rest

Tesco Clubcard Credit Card has all of the features and benefits that I love combined into one. It's a credit card, but every time I use it , get Clubcard points. Every time I use it, it texts me to tell me how much I've spent. I can look up my details online, including up to date Statements, there's a telephone help line and so much more. Considering this from a retailer and not a bank, it's a very hard act to follow! Reviewed on: 3rd February 2023

Very good

Very good card and so many promotions Reviewed on: 18th January 2023

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