Types of Tesco credit card and how to apply

Last Updated on August 19, 2025 by admin

The Tesco Credit Card offers a distinctive financial product that caters specifically to customers seeking rewards and benefits through their everyday spending habits.

As a product of Tesco Bank, this card not only facilitates everyday purchases but also provides consumers with unique rewards tailored to the ethos of loyalty rewards in retail banking. By offering points via the Clubcard scheme and other benefits such as cashback, the Tesco Credit Card positions

These points can be redeemed for a variety of rewards, including discounts on groceries, travel vouchers, and deals on dining experiences, significantly enhancing the value for the cardholder.

Tesco often provides promotional rates for balance transfers, making it an enticing option for consolidating debt. The card also offers protection on purchases and fraud detection services, ensuring peace of mind with every transaction.

its combination of rewards, financial protection, and exclusive offers makes the Tesco Credit Card a compelling choice for consumers seeking both convenience and value

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Tesco clubcard credit card

The Tesco Clubcard Credit Card is a popular offering from Tesco Bank that combines everyday spending with rewards through the Tesco Clubcard program. Here’s a breakdown of what makes it appealing:

Benefits

Earn Clubcard Points: Collect points on almost every purchase, both at Tesco and elsewhere. These points can be redeemed for discounts, vouchers, or partner rewards.
0% Interest Offers: Some cards offer 0% interest for up to 20 months on purchases and balance transfers (fees may apply).
Flexible Spending: Ideal for spreading the cost of large purchases or managing monthly expenses.
Credit Building: The Foundation Credit Card is designed to help improve your credit score over time, with tools like CreditView for monthly updates.
Online & App Management: Easily manage your account via the Tesco Bank website or mobile app.

Read: How to register for Region Online Banking and Mobile App and transfer money

Types of Tesco Credit Cards

Tesco Bank offers a range of six Clubcard credit cards, each tailored to different financial needs and spending habits. Here’s a quick guide to help you understand their features:

Types of Tesco Credit Cards

Card Name	Best For	Key Features
All Round Credit Card	Everyday spending & flexibility	0% interest on purchases, balance transfers, and money transfers for 14 months 0% interest on purchases guaranteed for the first 14 months 0% interest on balance transfers guaranteed for the first 14 months (2.49% fee) 0% interest on money transfers guaranteed for the first 14 months (3.99% fee) Collect Clubcard points almost every time you shop
Balance Transfer Credit Card	Paying off existing card debt	0% interest on balance transfers for up to 20 months (2.75% fee) 24.9% APR representative (variable) on purchases 0% interest on balance transfers guaranteed for the first 34 months (3.45% fee) 0% interest on money transfers for the first 9 months (3.99% fee) Collect Clubcard points almost every time you shop guaranteed for 34 months transfer fee 3.45%
Foundation Credit Card	Big purchases	0% interest on purchases for up to 20 months Starting credit limits between £200 – £1,500 and monthly repayments from £25 Get access to Tesco Bank CreditView, provided by TransUnion, for 3 years from account opening, and track your credit score with monthly updates Collect Clubcard points almost every time you shop You may be considered for regular optional credit limit increases if you manage your account well Representative rate (variable)29.9% APR Interest rate on purchases (variable)29.9% p.a. Based on a credit limit of£1,200
Balance Transfer Credit Card	Building credit history	24.9% APR representative (variable) on purchases 0% interest on balance transfers guaranteed for the first 34 months (3.45% fee) 0% interest on money transfers for the first 9 months (3.99% fee) Collect Clubcard points almost every time you shop Representative rate (variable)24.9% APR Interest rate on purchases (variable)24.9% p.a. Based on a credit limit of£1,200
Low APR Credit Card	Long-term borrowing	Low ongoing interest rate (around 10.9% APR variable) 10.9% APR representative (variable) on purchases Collect Clubcard points almost every time you shop Interest rate on purchases (variable)24.9% p.a. Based on a credit limit of£1,200
Low Fee Balance Transfer Credit Card	Enhanced rewards for subscribers	24.9% APR representative (variable) on purchases 0% interest on balance transfers guaranteed for the first 18 months (low 0.99% fee) 0% interest on money transfers for the first 9 months (3.99% fee) Collect Clubcard points almost every time you shop Representative rate (variable)24.9% APR Interest rate on purchases (variable)24.9% p.a. Based on a credit limit of£1,200

Read:How to register for TD Bank online banking and mobile app and transfer money

Using a Clubcard Credit Card, you could collect

Using a Tesco Clubcard Credit Card, you could collect extra Clubcard points every time you spend—both at Tesco and elsewhere. Here’s how the points stack up:

Points Collection Breakdown

Where You Spend	Points Earned with Clubcard Credit Card	Standard Clubcard Points
Tesco (in-store or online)	5 points per £4 spent	4 points per £4
Tesco Fuel (excluding Esso)	1 point per litre	1 point per 2 litres
Outside Tesco (any retailer)	1 point per £8 spent	0 points

That means you earn more points than using a regular Clubcard alone—especially on fuel and non-Tesco purchases.

What Your Points Can Get You

Every 100 points = £1 in Clubcard vouchers
Vouchers can be used at Tesco or doubled in value with Reward Partners like:
- Disney+
- PizzaExpress
- Virgin Atlantic
- Alton Towers
- RAC and more

Example: Monthly Spending

Let’s say you spend:

£200 at Tesco
£100 on Tesco fuel
£300 outside Tesco

You could earn over 5,000 points a year, worth £53 in vouchers, or up to £106 with Reward Partners

Using one of our Credit Cards, you could collect:

	After 3 months	After 1 year
Clubcard points	1,336	5,344
Clubcard vouchers	£13	£53
Tesco Reward Partners	up to £26	up to £106

That’s 1864 more points each year than using your Clubcard alone, just for spending on a Tesco Bank Credit Card

Read: How to register for nationwide online banking and mobile app and transfer money

choosing the best tesco credit card

Choosing the best Tesco credit card depends on your financial goals—whether you’re looking to save on interest, earn rewards, or build your credit. Here’s a tailored guide to help you decide:

Which Tesco Credit Card Is Best for You?

Your Goal	Best Card Type	Why It’s a Good Fit
Spread the cost of big purchases	All Round Credit Card	0% interest on purchases for 14 months
Pay off existing credit card debt	Balance Transfer & Purchases Credit Card	0% interest on balance transfers for 20 months (2.75% fee)
Build or repair your credit score	Foundation Credit Card	Lower limits, designed for credit building
Save on long-term interest	Low APR Credit Card	Competitive APR around 10.9% variable
Maximize Clubcard points	Any Tesco Credit Card	All cards earn enhanced Clubcard points on Tesco and non-Tesco spending

Tips for Choosing Wisely

Check your credit score: Some cards require a stronger credit history.
Consider fees: Most Tesco cards have no annual fee, but balance transfers may include a small percentage fee.
Use the card as a Clubcard: You’ll automatically collect points when you shop.

How to apply for tesco credit card

Applying for a Tesco Clubcard Credit Card is quick and straightforward. Here’s how to do it:

Visit Tesco Bank’s Credit Card Page.
Choose Your Card Type Browse the available options—like the All Round Card, Balance Transfer Card, or Foundation Card—and select the one that suits your needs.
Check Your Eligibility Tesco offers a handy eligibility checker that won’t affect your credit score. It helps you see which cards you’re likely to be approved for.
Start Your Application Click “Apply Now” and fill in your:
- Personal details (name, address, date of birth)
- Employment and income information
- Financial commitments
Submit and Wait for a Decision Most applications receive an instant decision. If approved, you’ll get your card in the mail within a few days.

Requirements to Apply

Be 18 or older
Have a UK residential address
Meet Tesco’s creditworthiness criteria

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what is tesco creditview

Tesco CreditView is a free online service provided by Tesco Bank in partnership with TransUnion, designed to help Tesco credit card holders—especially Foundation Credit Card users—monitor and manage their credit health.

What You Can Do with CreditView

Check your credit score anytime, updated monthly
Track changes in your credit report over time
Understand factors affecting your score (like payment history, credit usage)
Get personalized tips to improve your credit rating
View your credit report summary including accounts, balances, and payment status

How to activate tesco credit card

Activating your Tesco Bank Credit Card is quick and can be done in several ways—online, via the mobile app, or by phone. Here’s how to get it up and running:

Option 1: Activate via Tesco Bank Mobile App

Download the app from the App Store or Google Play
Log in or register for Tesco Bank Mobile Banking
Follow the prompts to activate your card—you’ll need your 16-digit card number handy
If there are additional cardholders, their cards will be activated too

Option 2: Activate Online

Go to the Tesco Bank website
Log in to your Online Banking account
Navigate to the credit card section and select “Activate Card”
Enter your card details and confirm

Option 3: Activate by Phone

Call Tesco Bank at 0345 300 4278
Have your credit card number and possibly your Security Number ready
Follow the automated instructions or speak to a representative
If you’re Deaf, hard of hearing, or speech-impaired, you can use Relay UK by adding 18001 before the number.

Once activated, you can start using your card immediately. Want help setting up your online account or linking your Clubcard for rewards?

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I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences