All round credit cards

Make balance or money transfers and new purchases all with one credit card.

    What is an all round credit card?

      These cards are designed for when you need to do more than one thing with a credit card but don’t want to apply for multiple cards. All round credit cards can come in handy if you want to spread the cost of new purchases, transfer existing balances or cover an unexpected bill that you need cash to pay for.

      Rewards with Tesco Bank credit cards

      With our all round credit cards you can collect Clubcard points almost everywhere you spend on your card, plus your usual points in Tesco. For more information see Credit Card Rewards

      We’ve also made it simple for you to manage your money on the go with our Mobile Banking App and Online Banking.

      Need more help? You could visit our credit card jargon buster or even ask a question in the Tesco Bank Community.

        All Round Credit Card

        Our card with 0% interest on purchases and transfers for up to 15 months 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

        Representative example

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

        Your 0% interest period, APR and credit limit may vary depending on your circumstances

        Balance Transfer and Purchases Credit Card

        Our card with 0% interest on purchases and balance transfers for up to 20 months from account opening

        • 0% interest on purchases for up to 20 months
        • 0% interest on balance transfers for up to 20 months (1.99% fee)
        • Collect Clubcard points almost every time you shop

        Representative example

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

        Your 0% interest period, APR and credit limit may vary depending on your circumstances


        Need help?

        Find out more about the different types of credit card we offer and how they work.

          Protect your credit score

          See if you are likely to be accepted and protect your credit score using our eligibility checker.

          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

          £
          Trolley

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

          £
          Orders

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

          £
          Car

          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.

          OR

          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.

              We accept online Credit Card applications, applying is easy and takes around 10 minutes. Check your eligibility

                Collect Tesco Clubcard points

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

                        Tesco Bank Credit Cards are available to UK residents aged 18 and over. Subject to status.