Credit Cards
Credit cards are designed to help you borrow money in a secure, flexible way. The right card could help you spread the cost of a big purchase, build your credit score or cover an unexpected expense.
Choose the right card for you:
If you’re paying off a balance on an existing credit card with a higher rate of interest, you could save yourself money by transferring your existing balance to a new card.
Looking for some flexibility to help pay an unexpected bill, or to buy something you can’t put on your credit card? A money transfer lets you borrow money and move it to your bank account, giving you the freedom to spend it as you like. Check out our range of cards below.
If you're looking for a bit of extra flexibility when you're making important purchases, our range of purchase credit cards could help you spread the cost of repayments over time. Read on to explore our purchase cards and their features.
If you've never had a credit card before, or if you've got a history of impaired or bad credit, our Foundation Card could help you to build your credit rating up over time.
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If you have 0% interest periods, and we don’t receive minimum payments on time and in full, introductory rates will be withdrawn. You can set up alerts and direct debits to help avoid missing payments.
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Based on what you told us and some assumptions, here are 0 credit cards to consider:
If you have 0% interest periods, and we don’t receive minimum payments on time and in full, introductory rates will be withdrawn. You can set up alerts and direct debits to help avoid missing payments.
Sort by:
Based on what you told us and some assumptions, here are 0 credit cards to consider:
If you have 0% interest periods, and we don’t receive minimum payments on time and in full, introductory rates will be withdrawn. You can set up alerts and direct debits to help avoid missing payments.
Sort by:
Based on what you told us and some assumptions, here are 0 credit cards to consider:
If you have 0% interest periods, and we don't receive minimum payments on time and in full, introductory rates will be withdrawn. You can set up alerts and direct debits to help avoid missing payments.
Sort by:
Based on what you told us and some assumptions, here are 0 credit cards to consider:
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Balance Transfer Credit Card
interest
0%
for up to
months
transfer fee
%
on balance transfers from account opening
- 21.9% APR representative (variable) on purchases
- Our longest 0% interest period on balance transfers for up to 33 months (2.59% fee)
- 0% interest on money transfers for the first 9 months (3.99% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
balance transfer amount at opening
£0
per month taking months to repay
£0
Total interest (0%)
Total interest (%) after 0% period ends
£0
balance transfer fee (% of £0.00)
Representative example
Balance Transfer Credit Card
interest
0%
for
months
transfer fee
%
on money transfers from account opening
- 21.9% APR representative (variable) on purchases
- Our longest 0% interest period on balance transfers for up to 33 months (2.59% fee)
- 0% interest on money transfers for the first 9 months (3.99% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
money transfer amount at opening
£0
per month taking months to repay
£0
Total interest (0%)
Total interest (%) after 0% period ends
£0
money transfer fee (% of £0.00)
Representative example
Balance Transfer and Purchases Credit Card
interest
0%
for up to
months
transfer fee
2.29%
on purchases and balance transfers from account opening
- 0% interest on purchases for up to 20 months
- 0% interest on balance transfers for up to 20 months (2.29% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
balance transfer amount at opening
£0
per month taking months to repay
£0
Total interest (0%)
Total interest (%) after 0% period ends
£0
balance transfer fee (% of £0.00)
Representative example
Purchases Credit Card
interest
0%
for up to
months
on purchases from account opening
- Our longest 0% interest period on purchases for up to 23 months
- 0% interest on balance transfers for the first 3 months (2.99% fee)
- 0% interest on money transfers for the first 3 months (3.99% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
£0
£0
£0
Representative example
All Round Credit Card
interest
0%
for up to
months
on purchases, money transfers, and balance transfers from account opening
- 0% interest on purchases for up to 15 months
- 0% interest on balance transfers for up to 15 months (1.99% fee)
- 0% interest on money transfers for up to 15 months (3.99% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
transfer amount at opening
£0
per month taking months to repay
£0
Total interest (0%)
Total interest (%) after 0% period ends
£0
transfer fee (% of £0.00)
Representative example
Low APR Credit Card
% APR representative
(variable) on purchases
- 9.9% APR representative (variable) on purchases
- Collect Clubcard points almost every time you shop
Your APR and credit limit may vary depending on your circumstances
£0
£0
£0
£0
Representative example
Foundation Credit Card
- Starting credit limits between £250 - £1,500 and monthly repayments from £25
- Get access to Tesco Bank CreditView, provided by TransUnion, for 3 years from account opening, and track your credit score with monthly updates
- Collect Clubcard points almost every time you shop
- You may be considered for regular optional credit limit increases if you manage your account well Learn more about credit limit increases
Your APR and credit limit may vary depending on your circumstances
£0
£0
£0
£0
Representative example
Low Fee Balance Transfer Credit Card
interest
0%
for up to
months
transfer fee
%
on balance transfers from account opening
- 21.9% APR representative (variable) on purchases
- 0% interest period on balance transfers for up to 28 months (1.19% fee)
- 0% interest on money transfers for the first 9 months (3.99% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
balance transfer amount at opening
£0
per month taking months to repay
£0
Total interest (0%)
Total interest (%) after 0% period ends
£0
balance transfer fee (% of £0.00)
Representative example
Low Fee Balance Transfer Credit Card
interest
0%
for
months
transfer fee
%
on money transfers from account opening
- 21.9% APR representative (variable) on purchases
- 0% interest period on balance transfers for up to 28 months (1.19% fee)
- 0% interest on money transfers for the first 9 months (3.99% fee)
- Collect Clubcard points almost every time you shop
Your 0% interest period, APR and credit limit may vary depending on your circumstances
£0
money transfer amount at opening
£0
per month taking months to repay
£0
Total interest 0%
Total interest (%) after 0% period ends
£0
money transfer fee (% of £0.00)
Representative example
Need help?
Find out more about the different types of credit card we offer and how they work.
Check your eligibility
See if you are likely to be accepted and protect your credit score using our eligibility checker.
Credit cards and Clubcard points
Collect Tesco Clubcard 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 Clubcard vouchers
Every three months, your Clubcard points get turned into Clubcard vouchers, or get them sooner by using Faster Vouchers.
Use your Clubcard vouchers
You can use your Clubcard vouchers at tesco.com, in store or on Tesco fuel. Or get even more value with Clubcard Reward Partners.
Check out our helpful credit card guides
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.
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.
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
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 UK residents 18 and over 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 344, Newcastle Upon Tyne, NE12 2GF
How to collect Tesco Clubcard points with your Tesco Bank Clubcard Credit Card
It’s simple, use your credit card wherever you see the Mastercard logo. You’ll collect Clubcard points on almost everything you buy.
You collect 1 Clubcard point for every £4 spent in Tesco and 1 Clubcard point for every £8 spent outside Tesco in each purchase transaction. Exclusions apply. Must have available credit. Clubcard points collection rates are subject to change.
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 Clubcard points.
Tesco Bank CreditView is a free, exclusive service to help our Foundation Credit Card customers to stay fully up to speed with changes in their credit rating and financial history, provided by TransUnion.
For three years from account opening Foundation Credit Card customers who register with Tesco Bank CreditView will have:
- Unlimited access to your Credit Report and credit score from TransUnion
- Score Factors – a useful breakdown of the biggest influences on your overall credit score to help you understand things to change and things you're doing well.
- Credit Alerts – email updates on any significant changes to your credit report each month
- Tesco Bank CreditView report - refreshed every 28 days with any new information passed on from other lenders, local authority, and courts (which Tesco Bank CreditView receive every 4-6 weeks).
If you apply and are accepted for a Foundation Credit Card then we'll send you a welcome email which will include a personal link to sign up to Tesco Bank CreditView.
As part of the sign-up process you will be required to pass TransUnion's identity validation checks before accessing your Tesco Bank CreditView account.
It's worth knowing that only the primary credit card holder will have access to Tesco Bank CreditView.
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
Other customers have been asking:
Contact us
Our UK teams are here for you 24 hours a day, seven days a week.
We accept online Credit Card applications, applying is easy and takes around 10 minutes. Check your eligibility