Purchase credit cards

A purchase credit card lets you spread the cost of large purchases over time, often with a low or 0% interest rate for a promotional period. This makes it easier to manage payments for expensive items without paying interest immediately.

0% interest credit cards offer a promotional period during which you won't be charged interest on certain transactions, such as purchases, balance transfers, or money transfers. To benefit from the 0% rate, you must repay the balances by the end of the promotional period; otherwise, standard interest rates will apply.

Purchase interest is the interest charged on the purchases you make with a credit card if you don't pay the balance in full each month or don't have a 0% promotional rate. It accrues until the full amount is repaid.

APR, or Annual Percentage Rate, is the total cost of borrowing expressed as a yearly percentage. It shows how much you'll pay for credit - such as a credit card, loan, or mortgage - combining the interest rate with any mandatory fees. This makes it easier to compare the true cost of different credit options.

Variable APR is an Annual Percentage Rate that can change over time, usually based on movements in a benchmark rate like the Bank of England base rate. Most credit cards use a variable APR, and your provider must notify you in advance if your rate is going to change.

Under Section 75 of the Consumer Credit Act, you could get extra protection if something goes wrong on single purchases that cost between £100 and £30,000.

So, if something you've paid for turns up broken or faulty, or if it doesn't arrive at all, you may be able to get your money back through a Section 75 claim.

Read more about your consumer rights in our guide to the top credit card features.

Yes, you can use your Tesco Bank Credit Card abroad just as you would at home.

With each transaction in a foreign currency you’ll be charged a foreign exchange fee of 2.75% of the cost of your purchase.

Get more information in our guide to using your credit and debit cards abroad.

The calculator works out 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 amounts you enter into the calculator, we work out the number of Clubcard points you could collect and give an idea of the amount in Clubcard vouchers.

The fuel calculator uses an average price per litre to calculate the number of points, based on 1 point per litre bought. Calculation based on average fuel price per litre. Average price per litre is based on both petrol and diesel and an average fill of 33 litres. Average price per litre updated monthly.

Remember though, your points will be worked out on each individual transaction that you make and not on your total monthly spend. So, this means the calculator only gives an indication and the actual points you receive could vary.

Don't forget that you'll need to spend a minimum amount to begin collecting Clubcard points.

When you open a credit card account with us you’ll be automatically enrolled into the Clubcard scheme if you’re not already a member, and Tesco Bank will share information with Tesco Stores for the operation of your Clubcard account.

Clubcard accounts are managed separately by Tesco Stores, and you should visit the Tesco Stores privacy notice for further information about how Tesco Stores uses your information.