Tesco | Purchases credit card

115 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.

115 reviews

2.5 out of 5 stars

Great credit card
13:30 10-02-2018
ImageSmart Money People

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

Raych Bonness

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

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

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

no loyalty
13:50 21-11-2017
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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

14:34 27-09-2017
ImageSmart Money People

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

Excellent interest free period and bonus of clubcard points
20:40 18-07-2017
ImageSmart Money People

Excellent customer service. I decided to go with Tesco Credit Card due to their lengthy interest free purchases period and the fact that you also get clubcard points for spending (a happy bonus).

Jolene Thorpe

Great app, good offers
15:01 07-07-2017
ImageSmart 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.


great product & REWARDS
14:46 04-07-2017
ImageSmart Money People

Tesco Bank are really great for customer services & their clubcard credit card is great for rewards which can be used against future shopping or swapped to double or quadruple the value of them to spend in restaurants, hotels etc


Great credit card!
07:19 30-06-2017
ImageSmart Money People

A great account that lets you collect Clubcard points as you spend. A very good smartphone app lets you monitor your account & make payments easily.

Daniel smith

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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