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See how our credit cards could reward you

Purchases card

0% interest on purchases for up to 30 months

Some things can't wait but the cost of them can. Help spread the cost of your spending as this card offers our longest ever 0% interest period on purchases.

  • No interest to pay on purchases for up to 30 months from account opening. We may offer you a 0% interest period of 24 or 18 months instead depending on your individual circumstances
  • Collect even more Clubcard points when you spend Terms apply
  • 0% interest on balance transfers for the first 3 months with a balance transfer fee of 2.9%. You can transfer up to 95% of your credit limit.
  • To benefit from these 0% interest periods it’s important that you make your minimum repayments on time and in full.

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

0% Balance Transfer Fee Card

0% balance transfer fee

No fee to transfer your balance and no interest to pay on the amount you transfer for up to 24 months from account opening.

  • 0% interest on balance transfers for up to 24 months from account opening. 0% balance transfer fee. We may offer you a 0% interest period of 21 or 15 months instead depending on your individual circumstances.
  • 0% interest on money transfers for 12 months from account opening. 3.94% money transfer fee.
  • These offers apply to any transfers made within the first 90 days of opening your account, if you make your minimum repayments on time and in full each month. You can transfer up to 95% of your available credit limit.

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

Balance Transfer Card

0% interest on balance transfers for up to 40 months

  • 0% interest on balance transfers for up to 40 months from account opening with a 2.69% fee. We may offer you a 0% interest period of 34 or 28 months instead depending on your individual circumstances.
  • 0% interest on money transfers for up to 40 months from account opening with a 3.94% fee. We may offer you a 0% interest period of 34 or 28 months instead depending on your individual circumstances.
  • These offers apply to transfers made within the first 90 days of account opening, if you make your minimum repayments on time and in full each month
  • You can transfer up to 95% of your available credit limit.

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

Premium Card

Getting you closer to a world of experiences

  • Apply by 31 August 2017 and if you're accepted, you'll receive a £50 Tesco Gift Card.
  • In order to be eligible for the gift card offer you must make a purchase or balance transfer on your new Tesco Premium Credit Card within the first two months of account opening Terms apply
  • Enjoy our best credit card Clubcard points earn rate Terms apply
  • Collect 5,000 bonus Clubcard points when you spend £5,000 on your Premium Credit Card at Tesco in any year. This includes in store, online and Tesco Fuel Terms apply
  • Includes annual worldwide family Tesco Bank Premium Credit Card Travel Insurance if you’re aged under 70. Also covers immediate family members under 70 years old. Provided by Ageas Insurance Limited Terms apply
  • Annual fee of £150

Representative example

  • Representative rate 56.5%APR(variable)
  • Based on 19.9% p.a.(purchase rate variable)
  • and
  • Annual fee £150
  • Assumed credit limit£1,200

Money Transfer Card

0% interest on money transfers for up to 40 months.

  • 0% interest on money transfers for up to 40 months from account opening, with a 3.94% fee. We may offer you a 0% interest period of 34 or 28 months instead depending on your individual circumstances.
  • 0% interest on balance transfers from another card for up to 40 months from account opening, with a 2.69% fee. We may offer you a 0% interest period of 34 or 28 months instead depending on your individual circumstances.
  • These offers apply to transfers made within the first 90 days of account opening, if you make your minimum repayments on time and in full.
  • You can transfer up to 95% of your available credit limit.

Representative example

  • Representative rate18.9%APR (variable)
  • Interest rate on purchases18.9% p.a. (variable)
  • Assumed credit limit£1,200

Low APR Card

Low APR on purchases

No interest to pay on purchases in the first month, followed by a low APR on purchases to help you keep your repayment costs down.

  • Low 5.9%APR representative (variable) on purchases
  • Plus 0% interest on purchases for the first month
  • Earn even more Clubcard points as you spend Terms apply

Representative example

  • Representative rate5.9%APR (variable)
  • Interest rate on purchases5.9% p.a. (variable)
  • Assumed credit limit£1,200

Foundation Card

Foundation Card

If you're looking to rebuild or improve your credit rating following a history of impaired or bad credit, then our Foundation Credit Card could help you get back on track.

  • Manageable monthly repayments from £25 and credit limits between £250 and £1,500
  • Stay in control of your credit score through our partnership with Noddle, part of the Call Credit Information Group Learn more
  • Set up email and text alerts to help you avoid missing repayments and stay in control
  • Use our Mobile App to keep track of your balance

Representative example

  • Representative rate27.5%APR (variable)
  • Interest rate on purchases27.5% p.a. (variable)
  • Assumed credit limit£1,200

Find out which option's right for you

How we like to say thank you

  • Collect points as you spend

    Collect Clubcard points when you use your card - online, in stores, or when you fill up at the pump. And not just at Tesco.

  • Get your vouchers

    Every three months, your Clubcard points get turned into vouchers.

  • Spend your vouchers

    You can spend your vouchers at tesco.com, in store or on Tesco fuel. Or get up to four times the value with one of the Tesco Clubcard Partners.

Apple Pay

Use your Tesco Bank credit card for fast and secure payments.

Available to Tesco Bank credit card holders featuring the MasterCard logo, on a compatible iPhone, iPad or Apple Watch.

Apple, the Apple logo, iPhone, iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Apple Watch and Touch ID are trademarks of Apple Inc.

Do you need a different borrowing option?

Important information

Key product information

Some things to remember

  • If you have 0% interest rates, these apply from the day you opened your account
  • If you have 0% interest periods, to benefit from this, you must make your minimum payments in full, on time each month.
  • For our Purchases, Balance Transfer and Money Transfer Cards, your credit limit, APR and introductory offer period may vary subject to your individual circumstances
  • You can transfer up to 95% of your available credit limit. You won't be able to transfer a balance between Tesco Bank Credit Cards.
  • Our credit facilities are available to over 18s and UK residents only, subject to status
  • For money transfers: purchases made using money that has been transferred will not benefit from protection under Section 75 of the Consumer Credit Act 1974. Section 75 protection is only available if you make the purchase with your credit card (not all purchases are eligible for this protection).

Tesco Bank Credit Cards are provided by: Tesco Bank, PO Box 27028, Glasgow, G2 9FT

Collecting Clubcard points

How to collect Clubcard points with your Tesco Bank Credit Card

It’s simple: use your credit card wherever you see the Mastercard logo. You’ll collect points on almost everything you buy.

For the Premium Credit Card you collect 1 Clubcard point for every £1 spent (£1 minimum) in Tesco and 1 point for every £4 spent (£4 minimum) outside Tesco in each purchase transaction.

For all our other credit cards you collect 1 Clubcard point for every £4 spent (£4 minimum) in Tesco and 1 point for every £8 spent (£8 minimum) outside Tesco in each purchase transaction.

There are some products at Tesco you can't collect points on. Find out more about collecting points at the Tesco Clubcard website. Clubcard points also can’t be collected on Tesco Travel Money purchases.

Points collection rates are subject to change.

You must have available credit.

The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

Premium Credit Card terms and conditions

Travel Insurance

Tesco Bank Premium Credit Card Travel Insurance is included if you (the primary cardholder) are aged under 70. It also covers your immediate family members under the age of 70. You’ll be insured for as many trips of up to 31 days as you like and the policy also includes 17 days winter sports cover each year as standard. Immediate family means the primary cardholder’s spouse, co-habiting partner or civil partner and their dependent children, including grandchildren, step-children and foster children under the age of 18. No add-ons are available and the policy does not cover pre-existing medical conditions. Tesco Bank Premium Credit Card Travel Insurance is provided by Ageas Insurance Limited.

5,000 Clubcard points bonus

If you spend £5,000 on your Premium Credit Card in Tesco in any year you will collect 5,000 bonus Clubcard points.

Qualifying spend includes any purchase transactions in Tesco Stores UK (excluding Tesco Opticians, Tesco Mobile and Tesco Travel Money), Tesco.com (UK only), Tesco Direct, F&F Clothing, Tesco Wine by the Case and Tesco Petrol Filling Stations (UK only, excludes Esso).

A year begins on the date the account was opened and each anniversary of that date, and ends 12 months later. Any refunds that you receive for returned items will be deducted from your total spend in that year. These points will be added to your Tesco Clubcard account within 45 days of the end of the relevant year and will be included in your next Tesco Clubcard statement after that. The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

Premium £50 gift card

Additional terms and conditions for £50 gift card

Only one Gift Card offer is available per customer. Not to be used in conjunction with any other offer. Your Gift Card will be delivered to the address entered on your Premium Credit Card application within 8 weeks of your first transaction.

Noddle

About Noddle

Noddle is a free service which allows you to view your credit report, credit score, rating and financial history. Additionally, as a Foundation Credit Card customer you will also benefit from free access to Noddle Improve and Noddle Alerts for three years from the moment you sign up.

  • Noddle Improve – information and helpful tips on how you can improve your credit score.
  • Noddle Alerts –sending you notifications when there are significant changes to your credit report, allowing you to stay in control of your report and spot any problems quickly.

If you have applied and been accepted for a Foundation Credit Card then we’ll send you a welcome email within three weeks of receiving your card, including a link to the sign up page.

If you’re already a Noddle customer and are accepted for a Foundation Credit Card, then you’ll have the opportunity to upgrade your account to have access to Noddle Improve and Noddle Alerts through the welcome email.

As part of the sign-up process you will be required to pass Noddle’s identity validation checks before accessing your Noddle account.

After three years, your additional benefits (Noddle Improve and Noddle Alerts) will expire, but you can choose to renew and pay for these benefits if you want to. The good news is, you will still have access to your free for life credit report and score.

It’s worth knowing that only the primary credit card account holder will have access to Noddle.