Tesco Clubcard Credit Card
Tesco Bank · Reward Points · Reward Points
This comprehensive guide covers the Tesco Clubcard Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Tesco Clubcard Credit Card from Tesco Bank offers reward points rewards redeemable as reward points. Top earning categories include 1 clubcard point per £1 at tesco (groceries, fuel, f&f clothing) and more. This card has no annual fee.
Best for: Grocery, Fuel, General Online, Dining
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 100 pts/$100 1 Clubcard point per £1 at Tesco (groceries, fuel, F&F clothing)
- 50 pts/$100 1 Clubcard point per £2 on all other spending
Important Notes
- Clubcard points convert to Clubcard vouchers (1 point = 1p at Tesco, up to 3x value with Clubcard partners).
- No annual fee.
- Also includes Clubcard Pay+ functionality for Tesco purchases.
- Welcome bonus typically offered as Clubcard points for new cardholders.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Tesco Clubcard Credit Card vs Similar Cards
- Tesco Bank Balance Transfer Credit Card — Reward Points · £0
- Tesco Bank Purchase Credit Card — Reward Points · £0
- Tesco Clubcard Plus Credit Card — Reward Points · £7.99
Maximize Your Rewards
To earn the highest rewards, use the Tesco Clubcard Credit Card for its bonus categories: Grocery, Fuel, General Online, Dining, Travel.