
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

Representative example
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

Representative example
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
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

Representative example
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.
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.
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
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.
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.