
Purchases credit cards
Spread the cost of things you buy over a period of time at a low or 0% interest rate.
What is a purchases credit card?
Purchases cards are designed for spreading the cost of the things you buy. Some cards offer a 0% interest rate at the start for a set period of time. To make the most of this type of card you should try to pay off your balance before any 0% interest period ends.
Rewards with Tesco Bank credit cards
You can also collect Clubcard points almost everywhere you spend with 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.
Purchases Credit Card
0% interest on purchases to enjoy for up to 23 months from account opening
- Our longest 0% interest period on purchases for up to 23 months
- 0% interest on balance transfers for the first 3 months (2.99% fee)
- 0% interest on money transfers for the first 3 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
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
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
Low APR Credit Card
A low APR on all your purchases
- 9.9% APR representative (variable) on purchases
- Collect Tesco Clubcard points almost every time you shop

Representative example
Your 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.
Clubcard points are turned into Clubcard vouchers, see how many more you can get just by using a Tesco Bank Credit Card
How much do you spend a month?
Using a Tesco Bank Credit Card, every three months you could get:
In Clubcard vouchers
You can use this in Tesco to save money in store, online and at the pump.
That’s £ more than using your Clubcard alone, just for spending on your Tesco Bank Credit Card.
Up to
If you chose to spend with Tesco Clubcard Reward Partners
You can get up to 3X the value of your vouchers to spend with Reward Partners.
Helpful information about credit cards
What is a 0% on purchases credit card?
A 0% purchases credit card gives you an introductory rate of 0% interest on the cost of new purchases for a set amount of time. You can use one to spread the cost of a big purchase or multiple items, if you make sure you clear the balance before the 0% period ends.
What is variable APR?
Variable APR means the Annual Percentage Rate for a credit card may change over time. If the APR on your card is going to change, you’ll be notified in advance. Most credit cards have variable APR.
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.