Maximise Tesco Clubcard Points and Slash Interest with Tesco Balance Transfer Credit Card
Make the Tesco Balance Transfer credit card earn you up to 22 months 0% on transfers while boosting Tesco Clubcard points and cutting your interest costs
Why choose the Tesco Balance Transfer credit card
The Tesco Balance Transfer credit card is a practical choice for UK customers who want to cut interest and consolidate debt. With up to 22 months interest-free on balance transfers and up to 9 months on money transfers, it gives breathing space to reorganise finances without mounting interest.
After the introductory period the representative APR is competitive for a rewards card, and the product pairs debt management with the chance to collect Tesco Clubcard points on everyday spending. That blend makes the Tesco credit card worth considering if you shop at Tesco regularly.
How to maximise Tesco Clubcard points
Make the most of Tesco Clubcard points by putting routine grocery and household spends on the Tesco Balance Transfer credit card. You’ll typically earn 5 points for every £4 spent in Tesco and 1 point for every £8 elsewhere, turning routine shopping into meaningful rewards.
Redeem points for vouchers, fuel savings or partner rewards to boost value. Combine in-store promotions and Clubcard boosts to stack savings, and always check Tesco’s seasonal offers to accelerate points accumulation.
Managing transfers and fees
Balance transfers carry a fee (currently 2.75%) and money transfers a separate fee (around 3.99%), so factor these into your plan when using the Tesco Balance Transfer credit card. The interest-free window will offset fees if you clear transferred balances within the promotional term.
Use the Tesco Bank mobile app to track payments and avoid interest after the offer ends. If you can, pay more than the minimum to eliminate balances before the promotional period finishes, reducing the effective cost of any transfer fees.
Alternatives and final tips
Compare the Tesco Balance Transfer credit card with rivals like the Tesco All Round card, Capital One balance transfer options and MBNA 0% offers to ensure you pick the best fit. Different cards suit different goals: longer 0% purchase periods, lower transfer fees or simplified reward structures.
Before applying, check eligibility and consider a soft-search comparison tool to protect your credit score. If you qualify, the Tesco Balance Transfer credit card can both lower interest costs and build Tesco Clubcard points — a straightforward way to improve household finances and get more from your everyday spending.