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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
What do Tesco Bank credit cards offer?  How does Tesco Bank compare to other providers? Is Tesco Bank a good credit card provider?
How we calculate Tesco Bank’s customer score and ratings Tesco Bank credit card FAQs

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 low APR cards. Credit is subject to status and terms apply.

The Tesco Purchase Credit Card, for example, offers 20 months 0% on purchases and Clubcard points on spending. 

Representative example: assuming you borrow £1,200 for one year, at a purchase rate of 20.94% (variable) the card will cost a representative 20.9% APR (variable). Credit available subject to status and terms apply.

Frequent Tesco shoppers can enjoy extra Clubcard points to save cash on groceries. For every £4 spent in Tesco you’ll collect five Clubcard points. That’s one Clubcard point for every £4 you spend, plus your normal Clubcard points (1 Clubcard point for each £1 spent) in each transaction. You’ll also collect one Clubcard point for every £8 spent elsewhere.

How does Tesco Bank compare to other providers?

Tesco Bank has come in joint second place in our latest credit card satisfaction survey with a score of 76%, and has been named a Which? Recommended Provider for 2021. 

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Tesco Bank review
Which? customer score
=2nd out of 26 credit card providers
The Which? rating for customer satisfaction is 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. 

Find out in the table below how Tesco scored for its credit card application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Tesco Bank credit card customer satisfaction category Star rating
Customer service

5 out of 5

Application process

5 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

2 out of 5

Dealing with complaints and resolving problems

4 out of 5

Dealing with queries

5 out of 5

Ability to manage account online

5 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

4 out of 5


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.

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 credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

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

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


Tesco Bank credit card FAQs


Does Tesco Bank offer an eligibility check?


Yes. The Tesco Bank eligibility checker shouldn't take more than a few minutes to complete and won't impact your credit score. It'll let you know if you're likely to be accepted for a Tesco Bank credit card before you apply.


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.



Can I have two Tesco credit cards?


Yes, you can hold up to two Tesco Bank credit cards. You can apply for a second card if you haven't applied for a Tesco Bank Credit Card within the past month and you don't have an application currently in progress.

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