Tesco | Purchases credit card

128 reviews

18.9% Representative

Intro purchase rate: 0% for 28 months

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 18.9% (variable).

Tesco | Purchases credit card customer reviews.

128 reviews

2.5 out of 5 stars

No problems
12:55 01-07-2018
ImageSmart Money People

Good online banking. Collect Clubcard points


tesco credit card
12:05 03-06-2018
ImageSmart Money People

i have had a Tesco credit card for just under a year the intrest rates are good and i am always being sent offers. the online site is easy to use and the customer service is good. i would recommend this card


Excellent Customer Service
15:26 30-05-2018
ImageSmart Money People

I have had a very positive experience with Tesco both in relation to credit cards and personal loans. Transactions have always been dealt with quickly and efficiently and the customer service is excellent.


Tesco clubcard credit card
05:23 19-05-2018
ImageSmart Money People

The application process was straight forward. The app is really easy to use and the clubcard points is a bonus!

Sarah Creed

20:37 10-04-2018
ImageSmart Money People

great way of spending and accumulating rewards

Julie Wynne

A good credit card with good customer service
09:13 05-04-2018
ImageSmart Money People

Had this card for a couple of month with no problems. Great customer service and can easily be managed via the Tesco bank app.


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.


No charges
21:47 17-01-2018
ImageSmart Money People

Pay in full monthly, to avoid interest charges, and collect Tesco Clubcard points as well. All good.

Lindsey Wells

Not a great start
21:02 01-12-2017
ImageSmart Money People

Applied for the account over 2 weeks ago, still waiting for my card. Lots of confusion & not a great deal of help. Fingers crossed it gets better from here!

Michael Harris

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

Our review of Tesco | Purchases credit card

With a representative APR that's the same as a lot of others in the market, the Tesco Purchases Credit Card can hang its hat on the main benefit of 0% interest on purchases for up to 28 months. They state ‘up to 28 months’ on the website because depending on your previous credit history and the information you provide about your personal circumstances, this could be decreased to 22 or even 16 months – however, you’ll find this out when the decision about the application has been made which only takes a minute or so.

If you’re a frequent shopper and think that you might take advantage of the 0% on purchases while you can, then you might also enjoy the Purchases Credit Card for the Clubcard points that you can accrue. For every £4 spent in a Tesco store you can receive 1 point, and even if you shop elsewhere you can still earn them at a rate of 1 point per £8 spend. These points can then be exchanged for nights out, restaurant vouchers or money off your next grocery shop.

The Purchases Credit Card from Tesco comes with an average OPTIOSCORE on Choose Wisely, which is similar to the other credit cards that Tesco offer. Searching online for reviews that are specific to this card leads to disappointing results, but we can take a look at how their cards as a whole have been received by customers. Disappointingly, TrustPilot has awarded Tesco Credit Cards a rating of ‘poor’. Some customers are unhappy with a tedious application process, cards being blocked and over-cautious fraud teams (although personally, I think it’s better to be safe than sorry).

Overall verdict: For those that like to shop, the Tesco Purchases Credit Card could be a worthy contender. Customers can make the most of the 0% on purchases, within reason, and even earn Clubcard points on top. Be sure to keep up with your repayments, you don’t want to build up debt and be stuck paying back the interest once the introductory period has come to an end.

Written by: Alex


  • 0% interest for purchases in the first 28 months
  • 0% on balance transfers for the first three months
  • Earn Clubcard points as you spend
  • Decision within a minute
  • Links up with Apple Pay
  • Manage the card with the mobile app

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 | Purchases credit card

The Tesco Purchases Credit Card has a representative APR of 18.9%, however customers are charged 0% interest on purchases up to 28 months. Your individual circumstances and credit history will not only determine the maximum credit limit you could be offered but also contributes towards the decision as to whether you would be granted a 0% interest period of 16, 22 or the full 28 months. Customers can also benefit from 0% interest on balance transfers for the first three months with a fee of 2.9% charged.

Applying for the Tesco Purchases Credit Card can take 10 minutes but the decision is made within one minute. Tesco allow customers to manage their cards either online by logging in to the website, or by using the mobile app if on the go. The actual Tesco Purchases Credit Card is contactless and can also be linked up to Apple Pay. When spending with the Purchases Credit Card you can also earn Clubcard points as you spend – it’s 1 point for every £4 spend with Tesco and 1 point per £8 if spending elsewhere. These points can then be exchanged for vouchers or treats 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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