Tesco | 0% Balance Transfer Credit Card

113 reviews

18.9% Representative

Purchase rate: 18.9%

Representative example:

Representative Example: The standard interest rate on purchases is 18.90% p.a. (variable), so when borrowing £1,200 the Representative APR will be 18.90% (variable).


Tesco | 0% Balance Transfer Credit Card customer reviews.

113 reviews

2.8 out of 5 stars

07:09 09-04-2018
ImageSmart Money People

Tesco just charged me £66 interest with a minimum payment of £66 on my £0 card balance. Their oh so unhelpful phone staff tell me for sure you have hidden things in your nasty 200 page terms and conditions allowing them to perform such highway robbery. Not a single member of my family will ever ever touch another tesco banded product.

Simon Bradley

Great card with points
12:13 04-04-2018
ImageSmart Money People

Use my credit card to live off and pay the balance every month. Receive Clubcard vouchers every 1/4 which get converted to Pizza Express vouchers. Saving ourselves a small fortune in eating out!

steven young

Stress-free Credit Card
11:22 04-04-2018
ImageSmart Money People

Easy to set up the credit card, quickly let you know if they accept you, generous credit limit, do not hassle me or send me loads of post, easy to make payments, long period of interest free credit, easy to complete balance transfer from previous credit card. Only downside is the app is a bit clunky and could be more user-friendly.


Easy no issues
11:11 08-02-2018
ImageSmart Money People

I pay off the card every month so no issues with interest rates. Easy way to get clubcard points without worrying about loyalty cards


Great to build up extra clubcard points
09:29 08-02-2018
ImageSmart Money People

I generally use my credit card for everyday spending and pay off in full each month to enjoy the clubcard points it generates. I very good bonus


13:29 03-02-2018
ImageSmart Money People

Lovely friendly client customer service

Nandi Mgwadlamba

Does what is says on the tin
11:58 20-11-2017
ImageSmart Money People

Good product, points accumulation a bonus. Efficient customer service especially with issues of fraud

ailsa sheldon

Earn Rewards on the everyday
20:49 07-11-2017
ImageSmart Money People

Do you need a credit card and want it to earn for your spends too? Then get a Tesco clubcard credit card. I always pay my bill in full each month so love to have a credit card that earns me a reward on my spends that is relevant to my everyday life. I can spend these rewards in store on food, or online or with other linked brands. It's a great reward that accumulates and is a lovely bonus at Christmas should you save them up but they can be used all year. Fair credit limits and online statements so paperless. No issues.

Francesca Frags Jones

28 month Interest free card.
19:57 01-09-2017
ImageSmart Money People

Applied for a 28 month Interest free card, rang customer services. Helpful staff and quick to approve me.

David Baxter

Good rates and easy to manage
13:50 14-07-2017
ImageSmart Money People

Love how easy it is to manage the account with the app. Easy and simple to make payments

Rose Warsop

Our review of Tesco | 0% Balance Transfer Credit Card

The Tesco 0% Balance Transfer Fee Credit Card has a representative APR that is the same as a number of credit cards on the market. Where Tesco differentiate themselves is with the 0% interest on balance transfers and money transfers for up to 36 months of opening the account. Customers can also earn Clubcard points when using their card, even if they aren’t spending in Tesco, which can be exchanged for goods, trips and treats.

As the name suggests, cardholders of the Tesco 0% Balance Transfer Fee Credit Card also don’t have to pay a fee on balance transfers for those completed in the first 90 days of opening the account. After this time a fee of 3% will be charged – this is a standard level among competitors. If you’re thinking of doing a balance transfer then please be aware that you can only transfer a maximum of 95% of your given credit limit and you can’t make transfers between Tesco Bank credit cards.

Looking at the web for online reviews shows there aren’t any specific to the card but we can look at Tesco Bank’s credit cards as a whole to judge the type of experience other customers have had. On TrustPilot, their cards have been judged as ‘poor’, citing long call wait times, application problems and cards getting blocked as the reasons.

Overall verdict: A standard representative APR, but if you shop at Tesco frequently and want to accrue Clubcard points then this could be an option, just watch out with balance transfers that you’ve paid your balance before the 36 months is over, otherwiseyou’ll  start incurring interest at inflated rates.

Written by: Alex


  • 0% interest on balance transfers for up to 36 months
  • 0% fee on balance transfers for 90 days
  • 0% interest on money transfers for the first 12 months
  • Manage your card with the Tesco mobile app
  • Collect Clubcard points when you spend
  • Links up with Apple Pay

Minimum criteria

  • You must be aged over 18
  • You need to be a UK resident
  • You must earn at least £5,000 per year
  • You must have good credit history
  • You don’t already have more than 1 Tesco Bank credit card
  • You have not applied for a Tesco Bank credit card within the last month


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Tesco | 0% Balance Transfer Credit Card

With the Tesco 0% Balance Transfer Fee Credit Card customers can benefit from paying 0% on balance transfers for up to 36 months - if completed within the first 90 days. You may be offered a 0% transfer period of 36, 30 or 24 months depending on your personal circumstances. There is no fee for balance transfers, but money transfers carry a fee of 3.94% during the first 90 days and 3.0% after. The Tesco 0% Balance Transfer Fee Credit Card has a representative APR of 18.9% and the maximum credit limit is decided by Tesco during the application process when they take into account previous credit history and personal circumstances.

The application process takes around 10 minutes and you can be told within one minute whether you’re accepted for the Tesco 0% Balance Transfer Fee Credit Card. The card can be managed either online or via their mobile app if you’re on the move and it can be linked to Apple Pay as well. Customers are also able to earn Clubcard points when they spend – it’s 1 point for every £4 spent with Tesco and 1 point per £8 if spending elsewhere. These points can then be exchanged for vouchers chosen by the customer.

Company information

Registration number: SC173199



Interpoint Building, 22 Haymarket Yards, Edinburgh EH12 5BH

FCA registration

Reference No: 186022

Trading names: Buy Now Pay Later, Tesco Bank, Tesco Buy Now Pay Later, Tesco Clubcard Credit Card, Tesco Personal Finance Plc

Place of business: Interpoint Building, 22 Haymarket Yards, Edinburgh, Midlothian EH12 5BH

Data protection registration

Registration No: Z4988111


Address: Interpoint Building, 22 Haymarket Yards, Edinburgh, Midlothian EH12 5BH

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