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Tesco Bank: Clubcard Credit Card reviews

Name: Clubcard Credit Card
Rating: 4.15 (311 reviews)

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4.03

Based on 311 reviews, last reviewed 23rd Apr 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

23%

10%

Latest highest rating:

5

"Tesco Bank" is Great! Tesco Bank is great!, they have looked after me and without asking, supported me despite any changing financial situation. Reviewed on: 23rd April 2025

Latest lowest rating:

1

Tesco rewards partner Hotel.com Used a Tesco Voucher to book a hotel through Hotel.com. Due to a technical issue with Hotel.com I was overcharged. Hotel.com didnt want to know neithe... Read more Reviewed on: 24th March 2025

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About this product

Tesco Bank Clubcard Credit Card reviews can help you to find out about the pros and cons of the Clubcard Credit Card credit card. What kind of features do Tesco Bank customers like? Find out more about the Tesco Bank Clubcard Credit Card by reading our trusted Smart Money People reviews. You can also write your own Tesco Bank Clubcard Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Tesco Bank Clubcard Credit Card reviews (311)

Knowledgeable helpful informative

Always found my interactions with this credit card company as a real pleasure. Excellent and honest opinions. Reviewed on: 7th April 2021

Very pleased!

A very good card and I recommend it with confidence Reviewed on: 24th February 2021

Save money with points

I really love Tesco credit card rewards as I get more clubcard point if use the card for monthly expense like travelcards. I’m not keen on the new bright blue design but hopefully they’ll change it in a couple of years. Reviewed on: 17th February 2021

Great

Easy - great app and you earn points as you spend Reviewed on: 15th February 2021

Great card & deals

The card has really long balance transfer 0% deals. It also has a very user friendly app Reviewed on: 11th July 2020

Money for Nothing

I use my card to pay for everything especially when shopping at Tesco(even more points). I pay it off every month so no charges then use the points to buy RAC cover every year for the family. Reviewed on: 11th July 2020

Great interest free period

I have had no issues with my tesco credit card. They offer great interest-free periods and it's good to have as a backup! The club card points you earn are an added bonus. Reviewed on: 8th July 2020

sneaky charges

Hello, just a honest review of tesco bank about 2 years ago i signed up for a credit card and even though i pay the balance off in full i still get charged interest despite the balance being 0 every month after paying it off. Reviewed on: 7th July 2020

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

hard to get an increase

many times they send you a letter that they will increase your credit limit and after one month they cancel it..they did like this 4 times in 8 months.. Reviewed on: 4th June 2020

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