Low APR Credit Card

A low interest rate on all your purchases

With a low APR on purchases, this credit card is there when you need it. You'll also​ collect Tesco Clubcard points when you spend.​

  • A low 9.9% APR representative (variable) on purchases
  • Collect Tesco Clubcard points almost everywhere you use your card, plus your usual points in Tesco. See terms below
  • Manage your money with our easy to use Mobile Banking App and Online Banking services.

Representative example

Representative 9.9% APR (variable)
Interest rate on purchases 9.9% p.a. (variable)
Assumed credit limit £1200  

Your credit limit and APR may vary subject to your individual circumstances.

      Tesco Credit Card

      Not your perfect match?

      See the credit cards you're likely to be accepted for and protect your credit score using our eligibility checker.

      Check my eligibility

      Collect Tesco Clubcard points

      1
      Clubcard points when you spend £4 in Tesco
      1
      Clubcard points when you spend £4 on Tesco fuel (excluding Esso)
      1
      Clubcard point when you spend £8 outside Tesco

      When you open a Credit Card account you will be automatically enrolled into the Clubcard scheme if you are not already a member, and Tesco Bank will share information with Tesco Stores for the operation of your Clubcard account. Clubcard accounts are managed separately by Tesco Stores, and you should visit the Tesco Stores privacy notice at https://www.tesco.com/help/privacy-and-cookies/privacy-centre/privacy-policy-information/privacy-policy/ for further information about how Tesco Stores uses your information.

      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 voucher 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.

            Sound like the right card for you?

            We need you to read this important info

            Here's what you need to know:

            • If you request a balance transfer as part of your application, you'll need to activate your card within 60 days in order for this to be processed. The maximum you can transfer is 95% of your available credit limit. You can't make a transfer from any other Tesco Bank Credit Cards.

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

              Before applying make sure you’ve read​ the summary box:

                Tesco Bank Low APR Card Summary Box (89KB, pdf)

                You'll need these three things to apply:

                • Your address history in the past three years
                • Details of your annual income and your monthly take home pay
                • Your bank account and sort code, along with details of any other credit cards if you'd like to transfer the balances to us

                Before you apply we need to check that you can say 'yes' to all of these questions:

                • Do you have an annual income of at least £5,000?
                • Are you at least 18 years of age?
                • Do you have a good credit history?
                • Do you currently hold no more than one Tesco Bank Credit Card?
                • Can you confirm you haven't applied for a Tesco Bank Credit Card in the last month?
                • Will you only be using this card for personal (not business) transactions?
                • Do you live in the UK or have a British Force Post Office address?
                • Are you a UK resident and only have tax residency in the UK?

                Error: To apply for this card you must confirm that the above statements are true

                Applying online is easy and takes 10 minutes.

                Apply

                Check my eligibility