Purchases Credit Card

Our longest 0% period on purchases for up to 14 months


Interest on purchases for up to 14 months


Collect Clubcard points almost every time you spend in and out of Tesco

About this card

  • Our Purchases Credit Card helps you spread the cost of the things you buy, without paying interest on them for up to 14 months.

What this card gives you

  • 0% interest on purchases
    Up to 14 months 0% interest from when we open your account.
  • 0% interest period
    When you apply we’ll let you know the longest 0% period we can give you. This might be 14, 12 or 10 months.
  • Collect Clubcard points
    Collect points almost everywhere you spend using your card, plus your usual points in Tesco. For more information see Credit Card Rewards.

Good to know

  • Our Credit Card jargon buster
    Learn all the terms worth knowing with our quick-fire guide - you’ll be a credit card pro in no time.
  • Stay on track
    Remember to pay at least your minimum payment on time each month to keep the 0% rate we offer you.

Representative example

Representative 22.9% APR (variable)
Interest rate on purchases 22.9% p.a. (variable)
Assumed credit limit £1200

Your APR and credit limit may vary depending on your circumstances.

Ready to apply?

Apply online in just 10 minutes.

Check your eligibility

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

Check my eligibility

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

    Credit card FAQs

    How do 0% purchase credit cards work?

    When you choose a 0% purchase credit card, you’ll have a window of time to buy something without any interest being applied to the purchases you have made. If you pay off the full amount of your purchases before the end of your 0% interest period, and make your minimum repayments each month, you won’t have to pay interest on them at all. If you don’t manage to pay it off before then, you’ll be charged interest on the money you owe until it’s been paid back.

    The length of your 0% interest period will depend on some things about you and your credit history. When you apply for a Tesco Bank 0% Purchase Credit Card, we’ll let you know which 0% interest period you’re eligible for. It could be 14, 12 or 10 months.

    To keep your 0% interest period intact, you need to make your minimum monthly payment on time.

      What is a 0% purchases credit card?

      A 0% purchase credit card lets you buy things on credit without having to pay interest straight away. You get a fixed period where interest won't be applied to the purchases you have made when you open a purchase credit card account. Once that’s over, you’ll be charged interest at the standard rate that’s applied to the card. This can vary over time.

      Tesco Bank Purchase Credit Cards offer up to 14 months 0% interest and the period starts when we open an account, not when you make your first purchase.

        Advantages of a 0% purchase credit card

        The biggest advantage of a purchase credit card with an 0% interest period is the fact that during that period, you won’t need to pay any interest on the things you buy, as long as you make at least the minimum payment each month.

        If you’re able to pay back the cost of your purchases within the 0% interest period, then you can essentially borrow money for free. This can be useful when you’re making a big purchase, like furniture or a car. Like all credit cards, Tesco Bank Credit Cards also offer purchase protection, which is an advantage over buying in cash.

        Cards with a 0% interest period on purchases may also offer perks or rewards too. Our Tesco Bank Purchases Credit Card lets you collect Clubcard points almost everywhere you spend using your card, plus your usual points in Tesco.