Tesco Clubcard Credit Card
The Tesco Clubcard Credit Card lets shoppers collect Clubcard points on everyday spending, boosted at Tesco, which convert into Clubcard vouchers and Reward Partner deals.
Why it ranks
- Great fit for loyal Tesco shoppers
- Clubcard points stretch further with Reward Partners
- No annual fee
What holds it back
- Rewards are most valuable within the Tesco ecosystem
- 2.75% foreign transaction fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Tesco Clubcard Credit Card lets shoppers collect Clubcard points on everyday spending, boosted at Tesco, which convert into Clubcard vouchers and Reward Partner deals.
Tesco Clubcard Credit Card at a glance
| Issuer | Tesco Bank |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Occasional bonus points promotion |
| Rewards rate | Boosted points in Tesco, standard points elsewhere |
| Intro APR | 0% introductory offers available on some versions |
| Regular APR | Approx. 24.9% APR representative (variable) |
| Foreign transaction fee | 2.75% on foreign currency purchases |
| Credit needed | Good credit history |
| Best for | Regular Tesco shoppers and Clubcard collectors |
| Airport lounge access | No |
Rewards & benefits
- Earn Clubcard points on all eligible spending
- Boosted points when shopping in Tesco
- Convert points to Clubcard vouchers and Reward Partner codes
- No annual fee
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Clubcard membership recommended to maximise value
How to apply
Check current rates on Tesco Bank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | TTesco BankTesco ClubcardNo annual fee · UK Tesco Clubcard Credit CardRegular Tesco shoppers and Clubcard collectors |
None | Boosted points in Tesco, standard points elsewhere | Occasional bonus points promotion | 2.75% on foreign currency… | Good credit history | |
| 2 | HHalifaxClarityNo annual fee · UK Halifax Clarity Credit CardFrequent travellers wanting fee-free overseas spending |
None | No rewards; travel cost savings focus | No welcome bonus | 0% on foreign currency pur… | Good credit history | |
| 3 | AEAmerican Express UKBritish AirwaysNo annual fee · UK British Airways American Express Credit CardBA flyers who can hit the spend for a Companion Voucher |
None | 1 Avios per GBP1 spent | Bonus Avios after meeting an initial spend target | 2.99% on foreign currency… | Good credit history | |
| 4 | AEAmerican Express UKPlatinum Cashback EverydayNo annual fee · UK American Express Platinum Cashback EverydayEveryday spenders wanting fee-free cashback |
None | Up to 5% intro then 0.5%-1% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.