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
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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
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0% interest on purchases
Up to 14 months 0% interest from when we open your account.
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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.
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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
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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.
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Stay on track
Remember to pay at least your minimum payment on time each month to keep the 0% rate we offer you.
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It’s simple to manage your money on the go with our Mobile Banking App and Online Banking.
Representative example
Your APR and credit limit may vary depending on your circumstances.
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
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.
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.
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.