I took up this credit card in 2010, when there was an 11 month interest free period on new purchases. I was coming up to a house move, so this would definitely be a major benefit for me. As soon as I got the card I set up a direct debit for the minimum payment, and as soon as the interest free period was up I changed that direct debit to pay off the full balance each month. If you can afford to do this, then the Tesco Clubcard Mastercard is a winner all the way. They also seem to be enhancing the interest-free-period offer all the time, and also do offers for balance transfer. I have never paid a penny in charges, yet I have received well over £200+ in ...  Read the complete review

I've recently reapplied for a Tesco Clubcard Credit Card having last had one about 3 years ago. The main attraction was the 16 months at 0% on new spending and transfers. I never use the transfer service on a credit card because it always attracts a fee, what I do is get a new card a few months before my 0% is up on my other card and put all the spending on that and then save my wage and pay off the original credit card. You do have to be quite disciplined for this method and make sure you don't overspend on your new card but it does save you money. This credit card charges a 3.95% fee so on a balance of £4000 that is £158 which is a lot of money. This credit ...  Read the complete review

My Mum has had a Tesco credit card for as long as I can remember. When my best friend applied for one and got accepted I thought I would give it a go too. Therefore, I went to the Tesco website and clicked through to the credit card page to have a look at what was on offer. ==What do Tesco offer and how can I apply?== The Tesco Clubcard credit card offers 0% finance for 15 months, it also offers 0% on balance transfers (there is a 2.9% fee). There is no annual fee and you can use it in place of your regular clubcard in Tescos. You will get double the clubcard points when buying Tesco fuel and you will also earn extra clubcard points on purchases ...  Read the complete review

I no longer have this credit card but I have no problems to report during the time that I did have it. I took out this credit card in February 2010 basically because I was getting married and needed a little extra boost of finance. Tesco Clubcard Credit Card was offering 0% interest for 15 months, which was perfect for what we needed. By having the 15 months free of interest it allowed us a little extra money and plenty of time to pay it back in. I honestly can't remember the percentage of interest we would have had to pay after the 15 months had expired but I believe it was about 16% or 17%. I don't remember this card being difficult to obtain ...  Read the complete review

I've had a credit card from tesco for quite a few years now. The Tesco points are well worth collecting and so far we have had 3 Virgin holidays in Florida , numerous Ferry tickets, hotel stays, restaurant meals etc using the clubcard points we have collected. I use this card for my business expenses, shop at tesco and also use the Tesco Petrol station - mainly beacuse it is nearest but we found that by maximising our use of the cards, we collect points very quickly and reap the rewards regularly. We use the card for everything and pay it off each month - that's the way to make it work for you.Don't use the points for shopping in tesco, excahnge them for the reqrads and triple, Used to be Quadruple, the value