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Tesco Bank credit card review

Find out how Tesco Bank has been rated for its overseas usage fees, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do Tesco Bank credit cards offer?  How does Tesco Bank compare to other providers? Is Tesco Bank a good credit card provider?
Which 0% balance transfer credit card is best? How we calculate Tesco Bank’s customer score and ratings Tesco Bank credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) says credit card firms must offer payment help to support borrowers struggling financially because of the coronavirus outbreak.

Some credit card firms are also offering to increase limits and waive charges in a bid to help ease the financial hardship the pandemic has caused.

Keep up to date with the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do Tesco Bank credit cards offer? 

Tesco Bank offers a broad selection of credit cards, suitable for a range of borrowers.

It has competitive 0% balance transfer, 0% purchase, credit-builder and 0% money transfer credit cards.

All Tesco Bank credit cards allow you to earn one Clubcard point for every £4 you spend in Tesco.

How does Tesco Bank compare to other providers?

Tesco Bank has come 6th in our latest credit card satisfaction survey with a score of 76%.

Credit Cards
Tesco Bank review
Which? Customer Score
6th out of 30 credit card providers
76%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Tesco Bank a good credit card provider?

Our survey also reveals how Tesco Bank customers rated the provider across 10 categories. 

Tesco Bank credit card satisfaction ratings

 

Star ratings

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer service

5 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

5 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

3 out of 5

Which 0% balance transfer credit card is best?

Below are the top five 0% balance transfer credit cards on the market right now,

How we calculate Tesco Bank’s customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

 

Tesco Bank credit card FAQs

 

Does Tesco Bank offer an eligibility check?

 

No, Tesco Bank doesn’t currently offer an eligibility check to help you see if you qualify for its credit cards before you apply.

To have the best possible chance of getting approved, you should check your credit report and if needed take steps to improve your credit score before applying.

 

Where are Tesco Bank credit cards accepted?

 

Tesco’s credit cards are issued under the Mastercard network, so can be used in millions of places in the UK and abroad.

 

 Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.

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