Almost two thirds (64%) of credit card users seek rewards when spending

Almost two-thirds (64%) of credit card holders actively hunt down rewards when using their credit card to shop, with a third (34%) collecting rewards or points at least once a week, according to Tesco Bank’s latest research.

Those aged 18-34 are the biggest reward hunters (75%), followed by those aged 35-54 (62%) and those aged 55+ (58%).

Shoppers have used the points or rewards they’ve collected from spending on their credit cards on the following:

In addition, analysis into Tesco Bank’s own internal credit card data from this year (January 2025 - August 2025) demonstrated how credit card customers are collecting Clubcard points wherever they spend. Tesco Bank credit card customers collected a monthly average of 210 million points when shopping out of store, followed by earning 46m points in Tesco stores, 8m on their fuel spending, and 660k from buying travel money.

Mamta Shanbhag, Borrow Director at Tesco Bank, commented:

“Credit card holders are clearly making their spending work hard for them, ensuring they get rewarded for their purchases. And with a third making sure they collect points on a weekly basis, these can build up quickly.

Rewards programmes are a great way to take money off your final bill, whether that’s through initial sign-up offers, collecting points, or member discounts. Tesco Bank credit card holders can collect Clubcard points on their everyday spending, which can be turned into vouchers or redeemed with Clubcard reward partners.”

Teamspirit

Olivia Nelson (onelson@teamspirit.co.uk, 07392106925)

Elisha Wijesekera (ewijesekera@teamspirit.co.uk)

TescoBank@teamspirit.co.uk

Research conducted by Opinium Research on behalf of Tesco Bank. Sample was 2,000 UK adults (aged 18+). Fieldwork was undertaken between 18th and 22nd September 2025. All data has been weighted to be representative of the UK population.

Tesco Bank analysed its internal data across all active credit card accounts between January 2023 and August 2025.

Collect 1 point for every £4 spent in Tesco plus your normal points and 1 point for every £8 spent outside Tesco in each purchase transaction. Must have available credit. Points collection rates are subject to change. Exclusions apply and there are some products at Tesco you can’t collect points on, see the Tesco Clubcard website for details.

24.9% APR representative (variable). Available to UK residents aged 18 and over, subject to status. Provided by Tesco Bank, PO Box 344 Newcastle Upon Tyne, NE12 2GF. Minimum spend and exclusions apply when collecting points. The Tesco Clubcard Scheme is administered by Tesco Stores Limited who are responsible for fulfilling Clubcard points.

Tesco Bank began life in 1997 and now help around 3.8 million customers to manage their money a little better every day. This means creating products and services which make customers’ lives simpler, giving them more of what they value, and rewarding their loyalty through Clubcard. Today, through a long-term strategic partnership between Barclays and Tesco, Barclays provides customers with Tesco Bank branded banking products and services. Our colleagues serve our customers seven days a week from our three main centres in Edinburgh, Glasgow, and Newcastle, and we’re also available through online and mobile banking 24/7.