Tesco | Purchases credit card

138 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.

138 reviews

2.5 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

handy and easy going
18:38 01-07-2018
ImageSmart Money People

I've held a credit card with them for over 10 years and have never had any cause to complain about them


Excellent service
11:19 17-06-2018
ImageSmart Money People

Never had any hassle, always responds when any help is required in a swift and courteous manner.


Unusual spending on account
15:39 10-06-2018
ImageSmart Money People

I use my credit card for my usual monthly spend - groceries, petrol and intermittent clothes shopping. It had been my son's birthday and he received some cash but wanted to buy online games. Using my credit card we made purchases on a site we have used before but not to such a large amount. I received a phone call within minutes from Tesco checking the purchase was made by us as it wasn't my usual spend. I thanked them for keeping an eye on my account. Sometimes it's good that big brother is watching you!

sarah k

Still happy
06:20 14-04-2018
ImageSmart Money People

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

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

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


an ok experience
20:05 03-01-2018
ImageSmart Money People

I've had a loan with Tesco interest rate was really low, but the pay back date latest they could do this was on the 25th but my pay day was on the 28th so payments got missed and they weren't able to help me, but overall it was an okay company to get a loan with.

Bethany noble

They cancelled my card with no warning - as an "industry wide prevention measure"
13:52 06-12-2017
ImageSmart Money People

I actually can't believe this just happened. I have had a Tesco credit card for many years. Usually if they think there has been fraudulent activity, they ring you to confirm your transactions. Today I received a text stating my card had been cancelled due to an "industry wide fraud prevention measure". I phoned them to confirm, and they said that it was correct, and a large amount of people have been affected. The new card will come in 9 working days!!!! This is so inconvenient - I am going abroad next week - I was planning on using my credit card, as I don't like carrying large amounts of cash with me. I am so mad about this. They are not even giving a proper reason why so many people have been affected. Ive had credit cards for over twenty years, and never been in such a mess :(


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

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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