Credit Cards

Compare our range of credit cards

Looking for a credit card to suit your needs? Whether you want to transfer a balance, get help building your credit score, or spread the cost of a big purchase, you can find the card that meets your needs here.

Get started by choosing what you need to do below.

Or view our list of credit cards

How we like to say thank you

  • Collect Tesco Clubcard points as you spend

    Collect 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 points get turned into vouchers.

  • Use your vouchers

    You can use your vouchers at, in store or on Tesco fuel. Or get even more value with Clubcard Reward Partners.

Check out our helpful credit card guides

Couple on couch with laptop

Credit cards explained

With so many credit cards out there offering different terms and features, it’s easy to get confused. This helpful guide answers some of the biggest questions out there, so you can manage your credit card like a pro.

dad with kids on tablet

Credit score guide

Your credit score is important when you’re applying for a credit card, or if you want to take out a mortgage or loan in the future. This guide explains everything you need to know about how your credit score works.

man in café using a tablet

Credit card features

What can credit cards offer you? This handy guide has everything you need to know about standard credit card features, such as payment protection, cashback rewards, and protection when using your card abroad.

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  • If you have 0% interest periods, your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full
  • Your credit limit and APR 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).
  • Foundation Credit Limit Increases: You will be considered for regular credit limit increases if you stay within your credit limit, make your minimum payments on time and manage your account well. You also need to manage any other credit products you have, such as loans and other credit cards well.

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

Collecting Tesco Clubcard points

How to collect 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.

You collect 1 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.

Clubcard 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.

Calculator assumptions

Calculator assumptions

We make a few assumptions when we're doing our sums:

  • You have been accepted for the card on the interest rates shown
  • You will remain eligible for the promotional offer
  • The credit limit we offer allows you to transfer the amount that you entered
  • You will keep up with the monthly payments you entered
  • You will stay within your credit limit
  • You will make at least your minimum monthly repayment on time
  • You will only use the card for the purpose you have selected