Tesco Bank offers six credit cards, covering balance transfers, purchases, money transfers, everyday low-rate spending, and credit building. All of Tesco's credit cards earn Clubcard loyalty points on eligible purchases (but not on balance or money transfers).

Tesco Bank credit cards are now provided by Barclays. Following a High Court-approved banking business transfer, Tesco Bank's credit card, personal loan, savings, and Clubcard Pay+ business moved to Barclays Bank UK PLC on 1 November 2024. Barclays continues to operate these products under the Tesco Bank brand through a long-term partnership with Tesco. Tesco's insurance, travel money, and gift card products were not part of this transfer and remain with a separate entity, Tesco Personal Finance plc.

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Card details accurate as of 03 September 2026.

Tesco Bank Credit Cards

Purchases and Balance Transfers: Balance Transfer and Purchases Credit Card

This card offers a guaranteed 21 months at 0% on both purchases and balance transfers from account opening, with a 2.95% balance transfer fee. Transfers must be made within 90 days to qualify for the 0% rate, and up to 95% of the available credit limit can be transferred. Clubcard points are earned on purchases but not on balance transfers.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Pros

• Longest combined 0% period on both purchases and balance transfers among Tesco Bank's cards

• Earns Clubcard points on purchases

• No annual fee

Cons

• No money transfer feature

• The purchase rate offered may be higher than the representative example, depending on individual circumstances

All-in-One Flexibility: All Round Credit Card

The All Round Card combines 0% on purchases, balance transfers, and money transfers, all guaranteed for 14 months from account opening. The balance transfer fee is 2.49%; the money transfer fee is higher, at 3.99%. Clubcard points are earned on purchases but not on transfers.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Pros

• The only Tesco Bank card offering 0% on purchases, balance transfers, and money transfers together

• Earns Clubcard points on purchases

• No annual fee

Cons

• Shorter 0% period (14 months) than the dedicated Balance Transfer Card (36 months)

• Money transfer fee (3.99%) is higher than the balance transfer fee on the same card

Longer Balance Transfer: Balance Transfer Credit Card

This card offers Tesco Bank's longest 0% balance transfer period — a guaranteed 36 months from account opening, at a 3.45% fee. It also offers 0% on money transfers for 9 months, at a 3.99% fee. Up to 95% of the available credit limit can be transferred, and transfers must be made within 90 days to qualify for the 0% rate.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Pros

• Tesco Bank's longest 0% balance transfer period

• Also includes a 0% money transfer option

• Earns Clubcard points on purchases

Cons

• No 0% period on purchases

Lower Balance Transfer Fee: Low Fee Balance Transfer Credit Card

This card offers a lower balance transfer fee (0.75%) in exchange for a shorter 0% period than the standard Balance Transfer Card — 15 months, guaranteed from account opening. It also offers 0% on money transfers for 9 months, at a 3.99% fee. Up to 95% of the available credit limit can be transferred, within a 90-day window.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Pros

• Lowest balance transfer fee among Tesco Bank's balance transfer cards

• Also includes a 0% money transfer option

• Earns Clubcard points on purchases

Cons

• Shorter 0% period (15 months) than the standard Balance Transfer Card (36 months)

• No 0% period on purchases

Lower Ongoing Rate: Everyday Low APR Credit Card

This card has no 0% introductory period, but carries a lower ongoing representative APR than Tesco Bank's other cards.

Representative example: Representative 12.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 12.9% p.a. (variable) with no annual fee.

Pros

• Lower ongoing APR than any other Tesco Bank card

• Earns Clubcard points on purchases

• No annual fee

Cons

• No 0% introductory period on purchases or balance transfers

Building Credit: Tesco Bank Foundation Credit Card

Designed for those with a poor or limited credit history, the Foundation Card offers starting credit limits between £200 and £1,500, with a minimum monthly repayment of £25. Cardholders get free access to Tesco Bank CreditView (provided by TransUnion) for 3 years, tracking credit score and report with monthly updates. Clubcard points are earned on eligible spending.

Representative example: Representative 29.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 29.9% p.a. (variable) with no annual fee.

Pros

• Free 3-year access to Tesco Bank CreditView

• Earns Clubcard points, unlike many credit-builder cards

• Considered for regular credit limit increases with good account management

Cons

• Higher representative APR, reflecting the credit-builder risk profile

• No 0% introductory period

Clubcard Points and Rewards

All Tesco Bank credit cards earn Clubcard points on eligible purchases, on top of standard Clubcard membership:

• 5 total points per £4 spent at Tesco (4 from standard Clubcard, 1 extra from the credit card)

• 1 extra Clubcard point for every £4 spent on Tesco fuel, when using your Tesco Bank credit card. This card-specific bonus doesn't extend to Esso stations. Esso stations with a Tesco Express still earn standard Clubcard points on both fuel (1 point per £3 spent) and in-store groceries (1 point per £1 spent) — just without the Tesco Bank card's extra bonus rate.

• 1 point per £8 spent outside Tesco

• No points earned on balance or money transfers

100 points converts to £1 in vouchers. Vouchers can be used at Tesco, or exchanged for double their value with over 100 Tesco Reward Partners (reduced from 3x to 2x since June 2023).

Fees and Protection

• Foreign transaction fee: 2.75% on purchases made in a foreign currency

• Balance transfer cap: up to 95% of the available credit limit

• Balance transfers between two Tesco Bank cards are not permitted

• Section 75 protection: purchases between £100 and £30,000 may be covered under Section 75 of the Consumer Credit Act 1974 — this protection does not apply to money transfers

Summary of Tesco Bank Credit Cards

FAQs

Who provides Tesco Bank credit cards? Tesco Bank credit cards are now provided by Barclays Bank UK PLC, following a banking business transfer approved by the High Court in October 2024 and completed on 1 November 2024. Barclays continues to operate the Tesco Bank brand through a partnership with Tesco.

How many Clubcard points can you earn on a Tesco Bank credit card? On top of standard Clubcard membership, cardholders earn an additional Clubcard point for every £4 spent (minimum £4) at Tesco and Tesco fuel — 5 total points per £4 — and 1 point for every £8 spent (minimum £8) elsewhere. Since June 2023, the redemption value of Clubcard vouchers with Reward Partners has been 2x face value, reduced from 3x previously.

Can I use my Tesco Bank credit card abroad? Yes. Purchases made in a foreign currency carry a 2.75% fee.

How much can I transfer with a balance transfer card? Up to 95% of the available credit limit. Transfers between two Tesco Bank credit cards are not permitted.

How can I increase my Tesco Bank credit card limit? Request a credit limit increase via Online Banking (select your credit card, then 'More' and 'Credit limit') or the Mobile App ('Account Management' section, then 'Manage credit limit'). Regular optional increases may also be offered if the account is managed well.

How can I pay my Tesco Bank credit card bill? By direct debit, bank transfer, debit card, Online Banking, or the Mobile App. Bill payments cannot be made in cash in store.

Card details correct as of 03 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.