All round credit cards

Get an introductory rate of 0% interest on purchases and balance transfers with our all round credit card.

    Our all round credit card could give you more flexibility with introductory rates of 0% interest on balance transfers and purchases. It could be a smart move too - you get different ways to manage your money from just one credit application.

    Remember, to keep a 0% introductory rate you must pay at least the minimum payment on time each month.

      Balance Transfer and Purchases Credit Card

      Our card with 0% interest on purchases and balance transfers for up to 18 months

      • 0% interest on purchases for up to 18 months from account opening. Collect Tesco Clubcard points almost everywhere you spend with your card, plus your usual Clubcard points in Tesco. Terms apply
      • 0% interest on balance transfers for up to 18 months from account opening, with a 2.99% transfer fee.
      • You can transfer up to 95% of your available credit limit. Any transfers must be made within 90 days of account opening to benefit from the 0% interest rates.
      strawberry credit card

      Representative example

      Representative 20.9% APR (variable)
      Interest rate on purchases 20.9% p.a. (variable)
      Assumed credit limit £1200  

      We may offer you a 0% interest period of 15 or 12 months instead depending on your individual circumstances. Your credit limit and APR may also vary and applications are subject to status.

      Can't see the right card for you? There's more to choose from. Check out our full range of credit cards.

        Clubcard points are turned into Clubcard vouchers, see how many more you can get just by using a Tesco Bank Credit Card

        How much do you spend a month?

        Error: Please enter an amount between £0 and £9,999


        Error: Please enter an amount between £0 and £9,999


        Error: Please enter an amount between £0 and £9,999


        Using our Tesco Bank Credit Card, every three months you could get:

        £ 00 .00

        In Clubcard vouchers

        You can use this in Tesco to save money in store, online and at the pump.

        That’s £ more than using your Clubcard alone, just for spending on your Tesco Bank Credit Card.


        Up to

        £ 00 .00

        If you chose to spend with Tesco Clubcard Reward Partners

        You can get up to 3X the value of your vouchers to spend with Reward Partners.

        Helpful information about credit cards

        What does a 0% interest offer mean?

        A credit card with a 0% interest period charges no interest on purchases, balance transfers, or money transfers for a set period of time. Once the introductory period ends, interest is charged at your card's annual percentage rate.

          What is APR?

          APR is short for Annual Percentage Rate. It tells you the cost of borrowing, as a percentage of the amount you owe, over a year.

          You can use APR to work out how much a credit card, loan or mortgage, or other forms of credit will cost. APR includes the interest rate charged, along with any fees.

            Credit card types

            How to find the right card for you

            Credit terms and jargon guide

            The terms we use explained

            Understanding credit

            Eight common questions about credit cards answered

            Contact us, we’re here to help

            Our UK teams are here for you 24 hours a day, seven days a week.

              Collect Tesco Clubcard points

              Clubcard points when you spend £1 in Tesco
              Clubcard points when you spend £1 on Tesco fuel (excluding Esso)
              Clubcard point when you spend £1 outside Tesco

              Your Credit Card is also your Clubcard, so when you spend on it you'll collect your usual Clubcard points and some extra ones on top.

              Using our Credit Card, for every £4 spent in Tesco you’ll collect 5 Clubcard points. That’s 1 Clubcard point for every £4 you spend, plus your normal Clubcard points (1 Clubcard point for every £1 spent) in each purchase transaction. Plus you’ll also collect 1 Clubcard point for every £8 spent outside Tesco in each purchase transaction.

              With a Tesco Bank Credit Card, spending £4 filling up at Tesco (excluding Esso fuel) gets you 5 Clubcard points – 1 Clubcard point for every £4 you spend, plus your normal Clubcard points at an enhanced rate of 1 Clubcard point per £1 spent (usually 1 Clubcard point for each £2 spent) in each purchase transaction.

              Clubcard points collection rates are subject to change and you must have available credit. Exclusions on collecting Clubcard points apply, expand below to read more.

                Turning Clubcard points into Clubcard vouchers, exclusions and how the calculator works

                Clubcard vouchers

                Every 3 months your Clubcard points are turned into Clubcard vouchers. Or you can choose to get them quicker with Faster Vouchers. Use your Clubcard vouchers for money off your Tesco shop, or get up to 3x the value with Clubcard Reward Partners - choose from days out, travel, restaurants and more.

                  What you won’t collect points on

                  You’ll only collect Clubcard points when you use your card to make purchases. Cash withdrawals, cash transactions, balance or money transfers, gambling transactions, buying travel money and regular payments like standing orders and Direct Debits don’t count. There are also some products at Tesco you can’t collect points on, find out more at the Tesco Clubcard website.

                    How the calculator works

                    The calculator uses how many Clubcard points you could collect if you had a Tesco Bank Credit Card and used it to pay for items in and out of Tesco.

                    Based on the Clubcard points you say you typically collect in each month, we can then give you an idea of the Clubcard vouchers you could receive. The actual number will depend on how you use your credit card. Don't forget that you’ll need to spend a minimum amount to begin collecting Clubcard points. And please also bear in mind that this is just an indication.

                    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 Credit Cards are provided by: Tesco Bank, PO Box 344 Newcastle Upon Tyne, NE12 2GF