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Tesco Bank: Clubcard credit cards reviews

Name: Clubcard credit cards
Rating: 4.12 (321 reviews)

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3.96

Based on 321 reviews, last reviewed 7th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

22%

10%

Latest highest rating:

5

Clubcard benefits I love using my Tesco credit club card all year to save points and then spend them on double up reward partners. It feels like money for nothing! Reviewed on: 5th September 2025

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 (321)

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

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 substantial credit card payment for car hire while abroad. After spending £45 on phone calls (there is no other way to contact them) and a promise that the card would be unblocked, it was blocked again. What is the point of having a credit card that you cannot trust to work? I have had this credit card for many years and used it many times abroad but I now have no trust in it. To make matter worse, I was totally fobbed of when trying to have my experience explained to me. Reviewed on: 7th November 2025

They are a pain.

They are a pain. When you do a balance transfer on other credit cards the statement tells you the end date. With Tesco Bank it doesn't put any dates on the statements and you have to call them to find it out and check it. Reviewed on: 8th October 2025

Clubcard benefits

I love using my Tesco credit club card all year to save points and then spend them on double up reward partners. It feels like money for nothing! Reviewed on: 5th September 2025

I am waiting for a pending transaction to go off my...

I am waiting for a pending transaction to go off my account. 8 days and counting. This was a cancelled transaction. Why is taking so long. It reduces my credit available whilst still pending . Reviewed on: 21st July 2025

Slow very difficult contact when u need help

Slow very difficult contact when u need help Reviewed on: 15th June 2025

Very new to them Direct Debit set up they did not ta...

Very new to them Direct Debit set up they did not take my payment then marked my credit file their error not mine they merged with Barclays now & they are doing the same thing to customers I have an excellent credit score, I am awaiting an investigation if not resolved fairly I will be taking Legal advice AVOID this company.. Reviewed on: 15th June 2025

Tesco is hard to beat

Never any problems, not a bad word to say Reviewed on: 13th June 2025

I got this card for shopping in Tesco and I am very...

I got this card for shopping in Tesco and I am very happy. I had experience with the operator, I was worried about the upcoming payment, but the employee helped me a lot. I have only positive reviews and experience Reviewed on: 13th June 2025

Happy customer

Offered good rates, no interest for 12 months, easily adjusted credit limit, gave me flexibility to dig myself out of a hole and save a bit more on groceries Reviewed on: 12th June 2025

Very easy to work with and good value for money

Very easy to work with and good value for money Reviewed on: 12th June 2025

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