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
        credit card

        Representative example

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

        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
        strawberry credit card

        Representative example

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

        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
        strawberry credit card

        Representative example

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

        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
        strawberry card

        Representative example

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

        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.

          Protect your credit score

          See if you are likely to be accepted and protect your credit score using our eligibility checker.

          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?

          Error: Please enter an amount between £0 and £9,999

          £
          Trolley

          Error: Please enter an amount between £0 and £9,999

          £
          Orders

          Error: Please enter an amount between £0 and £9,999

          £
          Car

          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.

          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

              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

                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

                        Tesco Bank Credit Cards are available to UK residents aged 18 and over. Subject to status.