Tesco Clubcard Credit Cards are more than payment tools—they reward your loyalty. Whether you shop weekly or want to save more, this credit card helps you earn extra points and benefits.
You’ll learn how to apply for the card, understand its key benefits, and earn points more quickly. We’ll cover card types, fees, interest rates, and practical strategies to maximize rewards.
What Is the Tesco Clubcard?
The Tesco Clubcard is a loyalty program that lets you earn points on Tesco purchases. It helps you save money by converting points into vouchers.
You can use those vouchers at Tesco or double their value with Tesco Reward Partners. Clubcard membership is free and easy to join.
You collect points using a physical card, a mobile app, or a credit card. It’s one of the UK’s most popular loyalty programs.
Tesco Clubcard Credit Card Options
Each comes with 0% interest promotions, different fee structures, and the same rewards system. You should choose based on how you shop and your repayment habits.
Purchases Credit Card
This card gives you 0% interest on purchases for 20 months. Balance transfers are 0% for 3 months with a 2.99% fee.
Money transfers are 0% for 3 months with a 3.99% fee. The card is best if you want interest-free spending time.
Balance Transfer & Purchases Card
You get 0% on purchases and balance transfers for 18 months. The balance transfer fee is 2.75%.
It’s a good option if you’re shifting debt from another card while planning to shop. The promotion period is balanced across both actions.
All Round Credit Card
The All Round Card covers purchases, money transfers, and balance transfers for 14 months. It has a 2.49% fee for balance transfers and a 3.99% fee for money transfers.
It’s ideal if you need flexibility with multiple financial actions. This card suits mixed usage and short-term needs.
Balance Transfer Credit Card
You receive 0% interest for 33 months on balance transfers. The fee is 3.19%, and money transfers are 0% for 9 months (3.99% fee).
This card is designed for long-term debt reshuffling. Purchases accrue interest at 24.9% APR.
Low Fee Balance Transfer Card
This card gives 0% on balance transfers for 18 months with a low 0.99% fee. You also get 0% on money transfers for 9 months at 3.99%.
It’s suitable if you want to transfer balances and minimize upfront costs. The reward system stays consistent.
Low APR Credit Card
You get a 10.9% variable APR on purchases. This is the best option if you carry a balance monthly.
There are no promotional 0% offers. But the rate is lower than others long term.
Foundation Credit Card
With a 29.9% APR, this card is for building or repairing credit. Starting limits range from £200–£1500.
Monthly repayments begin at £25. You’ll also access Tesco CreditView from TransUnion for 3 years.
How Clubcard Points Work?
Earning Tesco Clubcard points is straightforward but more rewarding when paired with a Tesco Credit Card. With a Clubcard alone, you earn basic points on eligible purchases.
The credit card boosts your earning rate in multiple shopping scenarios. Understanding how points are accumulated is essential before applying.
Standard Earning with Clubcard Only
With a Tesco Clubcard, you earn:
- 1 point for every £4 spent at Tesco
- 1 point for every £4 spent on Tesco fuel, excluding Esso
- 1 point for every 2 litres of fuel bought
- 0 points for spending outside Tesco
This baseline is helpful, but the credit card enhances your rewards significantly.
Enhanced Earning with Credit Card
When using a Tesco Clubcard Credit Card, your earning rate increases:
- 5 points per £4 spent in Tesco stores
- 1 point per £4 on Tesco fuel, plus 1 point per litre bought
- 1 point per £8 spent outside Tesco
Annual earnings could exceed 5,000 points, converting to £53 in Tesco vouchers or £106 in Tesco Reward Partner value.
Application Guide
Applying for a Tesco Clubcard Credit Card is a simple online process. You can check your eligibility before submitting a full application.
This won’t affect your credit score. Once eligible, you proceed to fill out the complete application form.
Eligibility Requirements
To apply, you must:
- Be at least 18 years old
- Be a UK resident
- Have a valid UK bank account
- Have a stable income and a reasonable credit profile
Tesco assesses each application individually, and results may vary.
Application Steps
Start by using Tesco’s online eligibility checker. If you qualify, begin the application process.
You’ll need to input your personal, financial, and employment details. Once submitted, Tesco will review and respond.
Maximizing Clubcard Rewards
To collect more points, use your Tesco Credit Card strategically. Spend consistently on qualifying Tesco purchases.
Use the card for daily expenses outside Tesco. Monitor your account through the Tesco Bank app.
Everyday Spending Strategy
Using your card for groceries, fuel, and non-Tesco expenses adds up. Combining both the Clubcard and credit card boosts your rate.
Pay off your balance in full to avoid interest charges. Watch for bonus point offers from Tesco.
Voucher and Reward Partner Conversion
Tesco sends you Clubcard vouchers quarterly. You can spend them at Tesco or convert them to double value with Reward Partners.
For example, £53 in vouchers can become £106. Use these for dining, travel, or subscriptions.
Interest Rates and Fees
Each card has a different fee structure depending on your usage. Tesco discloses a standard representative example to give you a clear picture. Always consider both the APR and any transfer fees before deciding.
Key Charges to Know
APR applies after the promotional period ends. Fees are one-time per transaction.
- Most cards: 24.9% APR (variable)
- Low APR Card: 10.9% APR
- Foundation Card: 29.9% APR
- Balance transfer fees: 0.99% to 3.19%
- Money transfer fees: Typically 3.99%
Customer Support and Contact Options
Tesco offers various online support options for its customers. You can access help through their digital services or mobile platforms. These are designed to help you manage your card effectively and securely.
Where to Get Help
- Tesco Online Banking Support: Account login and registration guidance
- Tesco Mobile Banking App Support: FAQs and mobile features
- Customer service via the Tesco website or help portal
Tesco also offers access to your credit score through Tesco CreditView on some cards.
Get More from Every Pound Spent
Tesco Clubcard Credit Cards offer an excellent way to earn rewards from your regular shopping. With several card options tailored to different needs, you can choose the one that fits your lifestyle.
Applying is quick and lets you start earning more points immediately. Make the most of Tesco’s loyalty program by applying for your Tesco Clubcard Credit Card today.
Disclaimer: Rates, terms, and promotions are subject to change based on individual financial circumstances. Credit approval is not guaranteed and is based on affordability and credit checks.
