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 best 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 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.

  • Use your Clubcard vouchers

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

Check out our helpful credit card guides

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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.

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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.

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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  • If you have 0% interest periods, your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full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 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 34, Newcastle Upon Tyne, NE12 2GF

Collecting Tesco Clubcard points

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.

There are some products at Tesco you can't collect Clubcard points on. Find out more about collecting Clubcard 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 Clubcard points.

Tesco Bank CreditView

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

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