Write a review

Go to business site

Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.13 (324 reviews)

View other Tesco Bank products

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

Read all reviews See your review

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

Login security easy to use.

I closed 3 credit cards recently because the new methods they used to improve security were too onerous. Tescos card security works for me. Reviewed on: 17th January 2023

Love it

What can I say. Easy to use. Gather extra clubcard points Reviewed on: 14th January 2023

Good card with low interest

Pretty helpful during pandemic and helped me as I struggled at times but always managed to make my payments Reviewed on: 14th January 2023

Good service

Enough good but struggle accept Reviewed on: 14th January 2023

Easy to use with great rates

Simple application, good & easy app, good rates & credit Reviewed on: 14th September 2022

4 hrs waiting time and drop the call

4 hrs waiting time to talk about lost card Somehow I had manage talk one of the staff the guy disconnected my call what a disrespect Reviewed on: 7th September 2022

Good company

We got a credit card through tesco and they have been great. We got it online and it was very easy and got processed very quickly. They always keep you up to date on charges and your latest statement. They are friendly when you do need to speak to someone and the app is easy to navigate Reviewed on: 15th August 2022

Great helping hand

Great help in time of need. The discounts enjoyed on selected items are also very useful Reviewed on: 8th July 2022

Perfect and they listen

Having their Mastercard is very useful, and sometimes they do interest free transfers to your bank or wherever your account is, and that helps a lot when you need a little help. Besides the things mentioned I have never had any trouble with Tesco Bank, and I've been with them for a number of years and have never had reason to complain, add on the fact they are always polite and put you at ease when helping you they have never failed to deal with what I've phoned them about, if all banks were like Tesco that side of life would be so easy. A added bonus is the Clubcard points are a bonus because you get points whenever and whereever you use your Mastercard. Reviewed on: 27th June 2022

Excellent service plus clubcard points

Excellent customer service. Plus you can earn clubcard points whenever you use the card. Reviewed on: 4th April 2022

Do you have a different Tesco Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Choice Rewards Credit Card
from Lloyds Bank 4.03 from 13 reviews
Nectar Credit Card
from Sainsburys Bank 2.85 from 97 reviews
Credit cards
from Virgin Money 3.85 from 801 reviews

Want to see more from Tesco Bank?

Life Insurance
from Tesco Bank 4.40 from 2 reviews
Current Account
from Tesco Bank 4.35 from 67 reviews
Instant Access Savings
from Tesco Bank 3.89 from 5 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub