The Tesco Bank Clubcard Plus

A practical credit card for frequent Tesco shoppers, combining extended 0% interest, no foreign fees, and boosted Clubcard points.

CREDIT CARD

Tesco Bank Clubcard Plus

Earn Clubcard points No foreign transaction fees

SEE HOW TO APPLY You will remain on the current site

Looking for a credit card that rewards your everyday grocery shopping and offers zero fees when traveling abroad? The Tesco Bank Clubcard Plus Credit Card could be a strong contender—especially for loyal Tesco customers looking to maximize their Clubcard points.

With an optional Clubcard Plus subscription, this card offers features tailored for frequent Tesco shoppers. But how does it compare to other UK supermarket credit cards?

Key Benefits of the Tesco Clubcard Plus Credit Card

• 0% interest on purchases for up to 24 months (depending on your credit rating).
• No foreign transaction fees when you’re an active Clubcard Plus subscriber.
• Earn Clubcard points on every purchase—1 point per £1 at Tesco, 1 point per £8 elsewhere.
• Card doubles as your Clubcard for easy in-store use and discounts.
• Tesco offers and rewards tailored for cardholders.

All benefits are tied to a £7.99/month Clubcard Plus subscription, which enhances the base features of the card.

How It Compares: Tesco vs Competitors

Tesco’s main edge is in no foreign transaction fees and its strong Clubcard ecosystem. However, the monthly fee may not appeal to occasional Tesco shoppers.

Who is this card really for?

This credit card is ideal for:

• Regular Tesco shoppers who already benefit from Clubcard Plus savings in-store.
• Families or households with high monthly grocery spending.
• Travelers who want to avoid foreign fees without getting a dedicated travel card.
• Budget-conscious users who plan to pay off their balance within the 0% interest period.

If you fall into one of these categories, the monthly fee may be outweighed by the cumulative savings and rewards.

Important Considerations

• If you cancel your Clubcard Plus subscription, foreign fees resume after 30 days.
• Missing payments can lead to loss of the promotional 0% interest and negatively affect your credit score.
• As with all credit products, it’s important to use it responsibly and stay within your means.

Is It Really Worth It?

If you’re already paying for Tesco Clubcard Plus for the in-store benefits (like 10% off two big shops per month), then this credit card naturally complements your subscription. The no-foreign-fee benefit makes it travel-friendly too—something most supermarket cards lack.

However, if you shop across multiple supermarkets or don’t subscribe to Clubcard Plus, the added value may not justify the monthly fee. Other cards offer 0% purchase periods without a subscription and have comparable loyalty rewards.

Still, for heavy Tesco shoppers who travel often or want to consolidate spending into one reward platform, the Clubcard Plus Credit Card delivers great utility.

Curious about how to apply for the Tesco Bank Clubcard Plus Credit Card and what you need to get approved? Find out everything you need to know on the next page.