Tesco Bank credit card review
What do Tesco Bank credit cards offer?
Tesco Bank offers a broad selection of credit cards, suitable for a range of borrowers including competitive 0% balance transfer, credit builder and low-rate deals.
For example, the Tesco Bank Clubcard Credit Card with Low APR has the joint-lowest APR on the market at 10.9% (variable) and is also a Which? Best Buy.
Tesco's credit cards can also help you boost your Clubcard points. For every £4 spent in Tesco, you'll collect five Clubcard points. That's one Clubcard point for every £4 you spend, plus your normal Clubcard points (one Clubcard point for each £1 spent) in each transaction. You'll also collect one Clubcard point for every £8 spent elsewhere.
Earlier this year it was revealed Tesco Bank's credit card, loans and savings business will be sold to Barclays, but there is no change for existing and new customers right now.
- Find out more: best credit card deals
How does Tesco Bank compare to other providers?
Tesco Bank has been named a Which? Recommended Provider for 2024.
It achieved an impressive customer score of 80% in our latest credit card satisfaction survey placing it top out of 31 providers.
- Find out more: visit our best credit card providers guide to read the full survey results and compare Tesco Bank's score with other companies
Is Tesco Bank a good credit card provider?
Our survey also reveals how Tesco Bank customers rated the provider across five categories:
| Customer satisfaction category | Tesco Bank star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Tesco Bank to find out more about our research.
Your Tesco Bank credit card questions answered
Grace, our credit card expert, answers the top questions people have about Tesco Bank credit cards.
Does Tesco Bank offer an eligibility check?
Yes. The Tesco Bank eligibility checker shouldn't take more than a few minutes to complete and won't impact your credit score. It'll let you know if you're likely to be accepted for a Tesco Bank credit card before you apply.
Where are Tesco Bank credit cards accepted?
Tesco's credit cards are issued under the Mastercard network, so can be used in millions of places in the UK and abroad.
Can I have two Tesco credit cards?
Yes, you can hold up to two Tesco Bank credit cards. You can apply for a second card if you haven't applied for a Tesco Bank Credit Card within the past month and you don't have an application currently in progress.
How we review Tesco Bank
Sam Wilson, credit card market analyst, says: 'At Which? we put credit card products and providers under the microscope to help you save time when shopping around for a new deal.
'We run a survey each year to gather the experiences of customers to help us find the best providers and we keep a close eye on the credit card market to determine which deals are the best in their category.'
Here's some more information about our research and the terms we use in this review.
Which? Best Buys
To become a Which? Best Buy, a credit card has to meet or exceed a range of category-specific benchmarks set by our analysts. For example, we look at the size of the balance transfer fee as well as the 0% period on balance transfer credit cards.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Which? Recommended Providers
To be a Which? Recommended Provider for credit cards a credit card company must:
- have a provider customer score of at least 75%
- have at least one top-10 card in one of the seven main categories available on the market
- have a product score that's average or above
- not have a representative APR of more than 33% on any of its mainstream cards at the time of the analysis.
We only award Which? Recommended Providers to the lenders that meet our benchmarks on customer service and product offering.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.