Tesco | 0% Balance Transfer Credit Card

141 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.

141 reviews

2.4 out of 5 stars

Easy to use
17:28 21-09-2018
ImageSmart Money People

I've had a credit card with Tesco Bank for many years now. I find the ease of use and customer service to be excellent and the clubcard points are a bonus!

Maria Green

Still happy
06:20 14-04-2018
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We have had a Tesco MasterCard for years. They have provided flawless service especially when there have been fraudulent issues with cards. However the points system is not as good as it once was

Ailsa Sheldon

07:09 09-04-2018
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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 credit card
13:30 10-02-2018
ImageSmart Money People

I love that I collect club card points as I spend.

Raych Bonness

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

no loyalty
13:52 21-11-2017
ImageSmart Money People

I have had a tesco credit card for 14 years. I have spent over £740,000 on that card. I was 6 days late paying and have been charges £70 interest and £12 late payment fee. They are venal, smug and immoral, and from now On I will never, ever transact with tesco again

tom ryves

Great Card Extra Points
20:30 08-11-2017
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I initially took out my CC to help my credit rating (buying a house), never had a problem with my card and they always have great offers to help save me money (0% transfers) and then I get bonus points too. Thank you - 12 years a customer

Georgina Clutten

14:34 27-09-2017
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After coming across the offer for the card I ultimately received, I was amazed at how quick the process was to apply and whether I was accepted or not, the decision took only a couple of minutes. No waiting around and pondering. The rate given was great, customer service has been brilliant and I couldn't be happier. I get notifications when bills are ready and using the app is very quick and easy. A recommended company from myself.

Allan Kimuli

Every little helps!
21:50 01-09-2017
ImageSmart Money People

The Clubcard Credit Card is a great way of spending money whilst accumulating additional clubcard points, either in Tesco or other stores. In no time you can convert your points into offers worth 3 or 4 times the value of the points.

Ken Diaz

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 30 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 30 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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