Tesco | Purchases credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 30 months
Purchase rate: 18.9%
Contact Tesco

Tesco | Purchases credit card customer reviews

3.1 out of 5 from 108 reviews

no loyalty

13:52 21-11-2017

Imagevia Smart 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

Easy to use and Clubcard points too!

11:36 27-09-2017

Imagevia Smart Money People

I signed up for this credit card because it was 0% interest for a long time. A credit card is a credit card usually - there's not much difference but at least if I had to be in debt, I was getting some Clubcard points to spend in Tesco. Additionally, the account was extremely easy to maintain online, which made a difference if I ever wanted to make extra payments or do any other account maintenance.

Clare Gorst

28 month Interest free card.

19:57 01-09-2017

Imagevia Smart Money People

Applied for a 28 month Interest free card, rang customer services. Helpful staff and quick to approve me.

David Baxter

Good rates and easy to manage

13:50 14-07-2017

Imagevia Smart Money People

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

Rose Warsop

Easy simple credit card

16:16 30-06-2017

Imagevia Smart Money People

Basic card with offers updated regularly.


Great credit card!

07:19 30-06-2017

Imagevia Smart 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

Great way to earn clubcard points

11:39 12-06-2017

Imagevia Smart Money People

I had 21 months interest which I thought was really generous.

Raych Bonness


07:14 12-06-2017

Imagevia Smart Money People

Great credit card, earn clubcard points too

Lindsey Loughtman

a card with rewards

08:59 11-06-2017

Imagevia Smart Money People

great customer service, easy online access and Tesco clubcard points on every spend

sallyanne rose

Great card

20:04 08-06-2017

Imagevia Smart Money People

Great credit card , low interest too

Pauly Alisa

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 30 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 customers are charged 0% interest on purchases up to 30 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 18, 24 or the full 30 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.