Tesco Bank Clubcard Credit Card (0% Purchases)
Best for: Spreading a big purchase at 0% while collecting Clubcard points
Pros
- No annual fee and a long 0% purchase period
- Extra points if you already shop at Tesco
- Eligibility check with no impact on your score
Cons
- Points rate outside Tesco is low
- No 0% on balance transfers on this version
- Non-sterling fee abroad
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
If you shop at Tesco and need to spread the cost of something big, the Clubcard Credit Card with 0% on purchases is an easy pick: a long 0% purchase period, no annual fee, and Clubcard points on spending at Tesco and elsewhere. The points are worth more when converted to Clubcard Reward Partners, which is how to squeeze the most from the card.
Tesco Bank Clubcard Credit Card (0% Purchases) at a glance
| Issuer | Tesco Bank |
| Card network | Mastercard |
| Annual fee | £0 |
| Rewards rate | 1 Clubcard point per £4 at Tesco and per £8 elsewhere (plus your usual Clubcard points in store) |
| Welcome bonus | None |
| 0% intro period | 0% on purchases for around 20 months |
| Representative APR | 24.9% (variable) |
| Non-sterling transaction fee | 2.99% |
| Credit needed | Good |
| Airport lounge access | No |
| Best for | Spreading a big purchase at 0% while collecting Clubcard points |
Rewards & perks
- Clubcard points on every purchase, doubled in value with Reward Partners
- Long 0% purchase window
- Manage the card alongside your Clubcard in the Tesco app
Pros
- No annual fee and a long 0% purchase period
- Extra points if you already shop at Tesco
- Eligibility check with no impact on your score
Cons
- Points rate outside Tesco is low
- No 0% on balance transfers on this version
- Non-sterling fee abroad
Who should apply
- UK residents aged 18+ with a good credit record
- Regular Tesco shoppers
- Anyone planning a large purchase they can repay within the 0% window
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Tesco Bank site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar UK cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Tesco BankClubcard 0% Purchases 5443 5091 6465 0789 VALID THRU 08/31CASEY BROOKS Tesco Bank Clubcard Credit Card (0% Purchases)Spreading a big purchase at 0% while collecting Clubcard points |
None | 1 Clubcard point per £4 at Tesco and per £8 elsewhere (plus your usual… | 0% on purchases for around 20 months | 2.99% | Good | |
American Express Preferred Rewards Gold CardTravellers who want transferable points and lounge passes |
£195/yr | 1 Membership Rewards point per £1; 2 points on airlines and at Amex Tr… | None | 2.99% | Good to excellent | |
BarclaycardRewards Visa 4388 9936 5990 6007 VALID THRU 11/30RILEY CHEN Barclaycard Rewards VisaEveryday spending at home and abroad with no foreign fees |
None | 0.25% cashback on all eligible purchases | None | None | Good (Experian “good” band or… | |
American Express Platinum Cashback Everyday CardCashback on everyday spending with no annual fee |
None | 0.5% cashback on the first £10,000 a year, 1% above that | None | 2.99% | Good to excellent |
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