Balance Transfer and Purchases Credit Card

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

Planning a big purchase and have balances on other cards with a higher rate of interest? The Balance Transfer and Purchases Card could give you the flexibility you need.

  • 0% interest on purchases for up to 20 months from account opening.
  • 0% interest on balance transfers for up to 20 months from account opening, with a 1.99% transfer fee.
  • We may offer you a 0% interest period of 16 or 12 months instead depending on your individual circumstances.
  • The 0% interest rate on balance transfers applies to any transfers made within the first 90 days of opening your account. You can transfer up to 95% of your available credit limit.
  • Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full. Direct debits and payment due date alerts can be set up through online banking after your account has been opened to help you avoid paying late or missing a payment.
  • Collect Tesco Clubcard points almost everywhere you use your card, plus your usual points in Tesco. See our rewards page for full details about the points you could collect and the terms that apply.
  • Manage your money with our easy to use Mobile Banking App and Online Banking services.

Your credit limit, APR and introductory offer period may vary subject to your individual circumstances.

      Representative example

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

        Let's get started

        Applying online is easy and takes 10 minutes.


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

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