Purchase credit cards

If you need to pay for something now but want to spread the cost, our purchase credit cards could help.

    0% introductory rates like the ones below are great, remember though you must pay at least the minimum payment on time each month to keep them.

      Our Purchase Credit Card

      0% interest on purchases to enjoy for up to 20 months

      • No interest to pay on purchases for up to 20 months from account opening
      • Collect Tesco Clubcard points almost everywhere you use your card, plus your usual Clubcard points in Tesco. Terms apply
      strawberry card

      Representative example

      Representative 20.9% APR (variable)
      Interest rate on purchases 20.9% p.a. (variable)
      Assumed credit limit £1200  

      We may offer you a 0% interest period of 16 or 14 months instead depending on your individual circumstances. Your credit limit and APR may also vary and applications are subject to status.

      Balance Transfer and Purchases Credit Card

      Our card with 0% interest on purchases and balance transfers for up to 18 months

      • 0% interest on purchases for up to 18 months from account opening. Collect Tesco Clubcard points almost everywhere you spend with your card, plus your usual Clubcard points in Tesco. Terms apply
      • 0% interest on balance transfers for up to 18 months from account opening, with a 2.99% transfer fee.
      • You can transfer up to 95% of your available credit limit. Any transfers must be made within 90 days of account opening to benefit from the 0% interest rates.
      strawberry credit card

      Representative example

      Representative 20.9% APR (variable)
      Interest rate on purchases 20.9% p.a. (variable)
      Assumed credit limit £1200  

      We may offer you a 0% interest period of 15 or 12 months instead depending on your individual circumstances. Your credit limit and APR may also vary and applications are subject to status.

      Our Low APR Credit Card

      A low APR on all your purchases

      • A low 9.9% APR representative (variable) on purchases
      • Collect Tesco Clubcard points almost everywhere you use our card, plus your usual Clubcard points in Tesco. Terms apply
      strawberry card

      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 depending on your circumstances and applications are subject to status.

      Can't see the right card for you? There's more to choose from. Check out our full range of credit cards.

        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?

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        £
        Trolley

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        £
        Orders

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        £
        Car
        Calculate About the calculator and collecting Clubcard points

        Using a Tesco Bank Credit Card, every three months you could get:

        £ 00 .00

        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.

        OR

        Up to

        £ 00 .00

        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.

        Pizza Express
        Cineworld
        Legoland
        Rewards 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.

            Credit card types

            How to find the right card for you

            Credit terms and jargon guide

            The terms we use explained

            Loans - another way to borrow

            Get the facts to find the best option for you

            Other customers have been asking

            What are the charges, fees and interest on my card? What are my consumer rights? Can I manage my credit card online? Can I use my card overseas?
            See all FAQs

            Contact us, we’re here to help

            Our UK teams are here for you 24 hours a day, seven days a week.

              How to get in touch

              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

              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 vouchers, exclusions and how the calculator works

                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 points on

                  You’ll only collect Clubcard points when you use your card to make purchases. Cash withdrawals, cash transactions, balance or money transfers, gambling transactions, buying travel money and regular payments like standing orders 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.

                    How the calculator works

                    The calculator uses how many Clubcard points you could collect if you had a Tesco Bank Credit Card and used it to pay for items in and out of Tesco.

                    Based on the Clubcard points you say you typically collect in each month, we can then give you an idea of the Clubcard vouchers you could receive. The actual number will depend on how you use your credit card. Don't forget that you’ll need to spend a minimum amount to begin collecting Clubcard points. And please also bear in mind that this is just an indication.

                    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.

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