Balance transfer credit cards

You could transfer existing balances onto one credit card and pay 0% interest on them for a fixed period.

    What is a balance transfer credit card?

      These cards are designed for transferring existing credit card balances and could help you save money if your card has a 0% interest period. When looking for a balance transfer card, you should think about the length of any 0% interest period, transfer fees and if you want to use the card for purchases.

      Rewards with Tesco Bank credit cards

      With our balance transfer 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.

        Balance Transfer Credit Card

        Our longest 0% interest period on balance transfers up to 33 months 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
        Credit card

        Representative example

        Representative 21.9% APR (variable)
        Interest rate on purchases 21.9% p.a. (variable)
        Based on a credit limit of £1200  

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

        Low Fee Balance Transfer Credit Card

        Enjoy up to 28 months with no interest to pay on balance transfers​ from account opening

        • 21.9% APR representative (variable) on purchases
        • 0% interest on balance transfers for up to 28 months (low 1.19% fee)
        • 0% interest on money transfers for the first 9 months (3.99% fee)
        • Collect Clubcard points almost every time you shop
        Credit card

        Representative example

        Representative rate 21.9% APR (variable)
        Interest rate on purchases 21.9% 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
        strawberry credit card

        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

        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
        strawberry credit card

        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.

          Helpful information about credit cards

          Can you spend on a balance transfer card?

          Some balance transfer cards have an introductory rate of 0% interest on purchases. Others will charge interest on your spending. So make sure you know all the ins and outs before you open a new account.

            How do balance transfers work?

            A balance transfer moves credit card debt from a card that charges a higher rate of interest to one that charges a lower rate.

            By making a balance transfer, you could lower the cost of credit card debt as more of your repayments will go to reducing the balance, rather than interest charges.

              Credit card types

              How to find the right card for you

              Credit terms and jargon guide

              The terms we use explained

              Loans - another way to borrow

              Get the facts to find the best option for you

              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 and exclusions

                  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 Clubcard points on

                    You'll only collect Clubcard points when you use your card to make purchases. Cash withdrawals, cash transactions, balance on money transfers, gambling transactions, buying travel money and regular payments like standing order 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.

                    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.