Tesco | Purchases credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 30 months
Purchase rate: 18.9%
OPTIOSCORE 45.2/100 
Balance transfers: 0% for 3 months
Balance transfer fee: 2.9%
Features: Reward Points
Tesco | Purchases credit card customer reviews

2.9 out of 5 from 93 customer reviews

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).

Contact Tesco

Tesco | Purchases credit card customer reviews

2.9 out of 5 from 93 reviews

Good rates and easy to manage

13:50 14-07-2017

via Smart Money People

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

Rose Warsop

Great app, good offers

15:01 07-07-2017

via Smart Money People

Did a balance transfer over to Tesco Bank as they had an attractive zero percent interest offer for 2y+. Coming from Barclaycard, whose app I quite like, the Tesco one is even better and i couldn't ask for more from it really. The customer service team is a hell of a lot better than Barclaycard too.



21:05 30-06-2017

via Smart Money People

I've currently had my Tesco credit card for 3 years and throughout that time the repayments have been low and zero pressure to increase my limit. Very happy. Helpful call centre staff too.


Easy simple credit card

16:16 30-06-2017

via Smart Money People

Basic card with offers updated regularly.


Best credit card with Rewards

19:29 22-06-2017

via Smart Money People

I am using Tesco Bank credit card since last 5 years and found most rewarding card. Dine out offers are amazing.

Nilesh shah

Credit Card

16:52 22-06-2017

via Smart Money People

Easy application process, friendly customer service, good rewards, very low APR

Penny Duffell

No fees, no hassle

18:48 11-06-2017

via Smart Money People

Great credit card. Does what it says, and you get extra clubcard points (although less than we used to get)

Lindsey Wells

Great if you pay in full

10:50 11-06-2017

via Smart Money People

Never had any problems. By paying balance in full each month no cost to me but get additional clubcard points which I convert into decent rewards every so often

Jeremy Hards

Excellent credit card with great rewards

16:05 04-06-2017

via Smart Money People

Fantastic credit card. Easy way to collect clubcard points. Excellent customer service when I have contacted them. Cant fault them.


Good rates

20:18 30-05-2017

via Smart Money People

Would recommend to people who shop regular at Tesco because it helps accumulate Tesco card points when you spend

Emma Brown

Our review of Tesco | Purchases credit card

Our review by Alex
Written by: Alex
Consumer sentiment


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 25 or even 22 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 awards 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.


  • 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

About Tesco | Purchases credit card

The Tesco Purchases Credit Card has a representative APR of 18.9%, however for the first 28 months 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 22, 25 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.