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Tesco Clubcard Credit Card

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      17.08.2013 18:03
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      Its been very useful for me

      I applied for a tesco credit card because a form came through the post. It was offering me 1000 clubcard points if I spent a certain amount on it within 3 months. As I was having my eye IOL done at the time, I thought it would be a great way to spread the cost. Also there was no interest charged for 16 months, which meant that I could pay off the minimum £25 a month, and then pay it off or transfer it when it gets to the end of the deal in February 2014. It was easy to apply for, I did it online at tesco bank. They gave me an instant answer that I had been accepted. I filled in all the details and the card arrived within a few days, and the pin came seperately in a secure envelope. I had to call up to register the card. I had a few issues with this, as I could not remember the security answer I had chosen previously. I had to reset it with the person on the phone, and then call back to change it to something else. This took not too long but was annoying on my part! I set up an automatic direct debit from the credit card to my normal account, so that I would not have to remember to pay anything off my credit card, it would just do it itself. Then I was told I was able to use the card, I payed off the remaining balance on my IOL account and this was brilliant as instead of paying £330 a month off the balance, I was paying £25 interest free! The credit card offer came at a perfect time for me, they send me my statement in the post every month, and I have had no issues with them. It just comes out every month, and is no trouble at all. I also hope it is improving my credit rating. The card is silver, with the master card symbol on it. You have to sign the back, and you can link it to your tesco clubcard to get the points when you spend.

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        06.07.2013 16:22
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        A good rewards card if they didn't treat EVERYTHING as suspicious activity on the account

        It's fair to say I have a love-hate relationship with Tesco Bank. I've had my Tesco Credit card for several years now, and whilst the benefits of using the card are great, I get increasingly annoyed with Tesco Bank every day. When I first applied for a credit card it was simply because I wanted a card to use whilst on holiday in America. I decided on the Tesco Credit Card because I worked for Tesco at the time, and because I thought the deals were attractive. The basic idea behind the clubcard credit card is that it allows you to earn extra Tesco clubcard points on all spending on the card. The points you get do seem to change from time to time, but I believe the rate when I took out the card was 1 point per £1 spent on the card, or 4 points per £1 spent in Tesco. This meant I could easily build up points on shopping I was doing anyway. So, I applied for the card and, at the age of 18 and never having had a credit card (or any other credit) before, was given a starting credit limit of £2500. I was surprised at the amount they were willing to lend me as friends in the same financial position as me had been turned down for cards or given meagre £200 limits by other lenders. The representative APR quoted for the card is 16.9%, but the APR I got was around 30%. This didn't bother me however as I planned to pay off any balances straight away and avoid paying any interest, but still build up my clubcard points. It's very easy to manage my account through Tesco's online banking system, and I always feel my details are secure with them. I've never had any issues with the site and I am able to do most things online rather than having to ring them. The only times I have to ring them is regarding security issues on my account, everything else I can do online without a problem. And 'security issues' is the reason I keep getting more and more annoyed at Tesco bank. They have a habit of blocking my card for 'security reasons', meaning I'm unable to use it until I ring them to get it sorted out. The customer service is pretty good and it's usually fairly quick and easy to get it sorted once I get through to them. The issue I have is not only the amount of times they've blocked my card, but the utterly ridiculous reasons for doing so. The first time they did it I was told there were some 'unusual transactions' on my account - this turned out to be because I'd used my card in a different town. The second time they gave the same reason - the card had been used somewhere other than my home town. If they'd bothered to look at my transactions properly they could have easily worked out that I was in this other town by the train tickets and hotel room I'd also booked using my card. Another 'unusual transaction' turned out to be me updating my address online after moving house. If that is going to be treated as suspicious why do they give the option to update your address online? The latest instance of this was the best however, when they blocked my card claiming more 'unusual transactions', and when I rang them they said that a large sum of the balance had been paid off. Why is that suspicious?! If someone else got hold of my card I hardly think they're going to start paying it off! And if they do, let them! I'm a bit stuck with them really as I really want to cancel my card because of all the hassle I get from them (and the embarassment when my card is declined while trying to pay for my grocery shopping), but I really don't want to miss out on the savings I make by collecting Clubcard points. If there was another card that offered a rewards scheme as good as theirs I would definitely switch.

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          07.05.2013 15:21
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          All round winner, I definitely recommend this card, particularly if you can pay in full each month.

          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 clubcard vouchers for using it to pay for things I would have bought anyway. I use the card for all my day to day shopping, building up points at the rate of 1 point per £4 spent, and then pay off the bill from my current account each month. If you use the card in Tesco then the rate of return is even better, you get 5 points per £4 spent. This is in addition to your normal clubcard points you would get anyway. I don't shop in Tesco regularly for my groceries, but I do make a point of filling my car up with petrol at their petrol station. If you do a lot of miles then this can soon rack up serious quantities of Tesco points. The same applies if you use the card to buy from Tesco Direct online. The Clubcard scheme is a separate discussion entirely, but in case you aren't familiar, the points are turned into money coupons, which you can either spend instore or use for numerous other things at an enhanced rate - for instance they have deals where a £10 voucher may be worth £20 for a day out somewhere. Occasionally they have offers where they are worth as much as four times face value. The offers usually include days out, restaurants, flights or ferries, hotels etc. These offers are usually sent out every few months to my home, and alongside those type of "bonus" offers, they also regularly run instore "double-up" offers if you spend your vouchers in specific departments. So its easy to see how the rewards you earn by using the card for stuff you would be buying anyway can bring massively enhanced benefits. The card is a Mastercard, so there are the usual benefits in terms of being acceptable practically everywhere in the UK as well as overseas, and access to Mastercard SecureCode for online shopping. The card doesn't have the best look in my opinion - it has a nice sparkly silver background which could give it a bit of class, but there's a bright strawberry pattern across it which drags it down a bit for me personally. When I took mine out there was no alternative design, the picture above shows a blue one - but that would be too Tesco-y!! I'm hard to please, but not a fan of this design! Managing the account (for me - it's not compulsory) is 100% online. The system is excellent in my opinion, being able to look at recent transactions, download statements if you wish, and an "at a glance" at the first screen where you can see balance, recent payments, payment due dates etc. I'm a real stickler for monitoring my cards and accounts so I am on the site practically every day and I don't recall there ever being a problem with the site. I did have some fraud on the card back in 2011, and the problem was dealt with superbly - As soon as I rang them to report the transactions which were not mine, they reimbursed my account without hesitation, there were no questions asked, they simply requested me to put into writing the fraudulent transactions. They cancelled my card and sent me a new one for peace of mind, and I have not had a problem since. I'm by no means Tesco's biggest fan, but I have absolutely no hesitation in recommending this credit card, which has effectively paid me to do my shopping for the last 2 and a half years.

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          28.06.2012 22:38
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          Very good credit card.

          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 card gives reward points equivalent to 1p per four pound spent which isn't great compared to cashback or reward points on other credit cards but is a nice extra if you're after the interest free period. Tesco clubcard does have deals whereby you can triple or sometimes quadruple your points to use on specific things with various companies e.g restaurants or holidays but it's not always as good a deal as it seems - sometimes you can find the holiday somewhere else for example. I've never had any problems with the card. I would advise you to set up a direct debit for at least the minimum payment so you don't forget and incur charges - if you set up a few pounds more than the minimum it looks better on your credit rating.

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          11.06.2011 14:39
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          Brilliant credit card

          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 made elsewhere (1 point for every £4 spent). After the 0% period the card is 16.9% APR typical. Applying for the card is really simple, you just fill in a simple form online and there is an instant decision made. Both me and my partner have applied online for these cards and both have been accepted, however we do have different credit limits due to us having different incomes. ==Using the card== The card arrived very quickly by post and you have a choice of two designs - a blue one or a silver one with strawberries on. The card is a mastercard so therefore is accepted everywhere. Just like any other credit card you get a pin and then this is what you use to purchase items with the card when shopping in store. When shopping online you are asked to set up a password like you are with many debit cards so this is added security. The card is simple to use and I have never had any problems with it. ==Online banking== I have used the online facilities for this card since day one and find it a brilliant way of keeping track of my finances. On the website you can check your balance, look at what has been spent, make payments, change personal details, request balance transfers and also request a change in credit limit. ==Paying the bill== Each month, Tesco send a detailed card statement via post. I like this facility as it allows me to check through what has been spent on my card and also reminds me to pay the bill! However, if you would rather not have paper bills you can choose not to have them. There are many different ways you can pay the bill such as by post with a cheque or postal order, on the phone or online. I always pay mine online as I find this easiest. Paying online takes about 4 working days to clear the payment. ==Minimum Payments== I find minimum payments reasonable. I almost always pay my bill off in full at the end of each month as I dont want to end up in a lot of debt that I cannot pay back. For a bill of around £200 the minimum payment is £10 each month. ==Customer Services== I haven't had a great deal to do with customer services as I have never had any problems with my card. However, I found the staff polite and helpful when I called to activate my card. My parents on the other hand have had to deal with customer services. When they went on holiday a few years ago, Tesco noticed a number of odd payments on their account and tried ringing them to discuss it. However, as my parents were away they did not receive the phone calls! Despite this, there was a letter as soon as they got home advising them to ring Tesco. It turned out my parents had been the victim of credit card fraud and Tesco were brilliant at spotting this immediately. They refunded all the money that had been spent and dealt with the problem quickly and with ease. ==Would I recommend the card?== As you can probably tell from my review I think Tesco credit cards are worth looking in to. They are quick and easy to apply for, easy to use and customer services are brilliant. The online facilities are great and I imagine I will be keeping my card for some time to come.

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            01.06.2011 14:35
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            A great little credit card with great deals running frequently. Another way to earn clubcard points

            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 and I was given a £2300 credit limit. This was all done online and approved really quickly. Payments were simple - everything could be done online, so it was nice and convenient. The website was easy to navigate, easy to use and it was also a speedy website to use. I didn't spend very much time waiting for pages to load. Another added bonus to getting this card was the clubcard points that you get when you spend with it. You get 1 point for every £4 you spend anywhere, not just at Tesco! This was a real added bonus because we mainly used the credit card to pay for wedding related products - flowers, outfits etc... I did not have any problems with this card and I would seriously consider getting another one in the future. I only contacted Customer Services once to tell them of my change of name. They requested an approved copy of my marriage certificate, which I sent, but nothing changed. I expected a new card to be sent with my new name - but it didn't. Having said this I had no problems making payments and using the card. I just cancelled the card at the end of the 0% interest period.

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            26.05.2011 21:32

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            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

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            07.01.2011 23:01
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            Reluctant Customer

            After really getting into the whole 'clubcard' point idea I decided to apply for the tesco credit card (mainly to make the payments and improve my credit rating). Not particularly impressed so far. Firstly, you get 4 clubcard points for every one pound spent outside tesco which works out at a 0.25% reward. That's one of the worst cashback/reward ratios I have seen on a credit card, look it up and you'll see that the average is much higher. Almost immediately I was a bit dumbfounded that I didn't get an email confirming my application, you'd think applying for a credit card would be the one thing that you'd want to be told about. Another big issue I've had is how they issue pins, I ordered 4 new credit cards at the same time and tescos was the last arrive so I have a substantial basis for comparison. The tesco pin letter was cheap compared to the others, the piece of paper that you have to remove to reveal the pin seemed superglued to the pin to the point where the actual pin is ripped off in the process. Presuming it was my fault or a one off I ordered a further two pin reminders (I say further as the original pin letter never arrived), on the 3rd reminder my housemate held the pin up to a light to mock me and I could just about read the pin from 2 metres behind him. Somewhere around the second pin reminder I rang the customer support number to ask them if they could send the pin in another medium, the guy polity told me to 'ask a friend or family member to read the pin to me' and refused to offer any alternatives - Neither me nor my housemate could make it out, I'm twenty six with OK sight and so is my housemate. I was about to cancel the card when I saw the pin by chance. Another 'wonder feature' is how you can't just register for their online banking, you must register and wait again for a letter to arrive with a pin that enables the only banking, despite it asking me a tonne of personal questions to sign up. Why didn't they just call the number I provided when I signed up with an automated service that repeats the pin? The actual credit card chip also appears to wear very easily, it's been in and out of the ATM 3 times and in and out of my wallet maybe half a dozen times - as a result it looks worse off than my 2 year old cards. Like I said, there's a real feeling of 'cheapness' about the service, the products and the rewards.

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            25.03.2010 03:16
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            One of the Best cards for 0% purchases

            Hi there as you read this review bear in mind I have an offset mortgage which allows me to benefit slighty more from interest free purchases then if you do not, it also helps if you shop at Tesco's to earn those bonus points. The promotion I signed up for is 0% interest on all purchases for a period of 12 months from the date you open the account. The way I use this is for all my daily buys because that money sat in my bank account is offset against my mortgage so also saving me money from the interest I would otherwise have to pay. Some people call this stoozing or some similar term. Beware at the end of that period the interest rate immediately leaps to its usual 16.9% APR this can also happens if you breach terms and conditions, like not making a monthly payment, I have a direct debit set up to make sure this does not happen Tesco Credit Card rewards its customers with Clubcard points. Every £4 spent makes one point which is worth up to four times its face value via the Clubcards deals though these are not always the cheapest on offer remember this is on top of points you get from shopping at Tescos. I suppose for those who clear their balance in full every month especially when the interest free period ends and who always stay within there credit limit, this is a great way of earning extra points. However if this is you I would advise looking into a creditcard with cashback. Completing the online application form is easy and straightforward. Simply select the style and colour of card you require. Fill in the usual basic personal information and your Tesco Clubcard number (if you already have one). Then sit back and wait for the postman, it did take a couple of weeks for mine to appear. However you must also register online and wait for them to send out what they call a MAC to your house (basically a code though they have already sent the card to you so i do not quite see the point) For online purchase there is a additional security feature, when you first use your credit card online you are asked to register and you set a password and answer some security questions. When you make online purchases you are asked to give 3 random letters from your password to proceed with the payment. The extra Tesco points do make a bit of difference but i see them as more a perk then the main reason I got this card which was the 0% interest for a year on purchases. Also if you use the card for this purpose DO NOT transfer any balances over, this is due to the way credit card companys pay off your least expensive (therefore least profitable) debt first

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              20.12.2009 17:14
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              Fab if you clear it in full each month. Very expensive if you don't.

              I've had my Tesco Credit Card for over a decade. I initially took it out because it offered a hefty incentive in the way of several thousand free Clubcard points for an accepted application. Promotions of that very generous nature have long since departed and the best offer currently available is 0% on all purchases for a period of 12 months from the date you open the account. If you're planning any major purchases this is a great way of getting them interest free for a year. At the end of that period the interest rate immediately leaps to its usual 16.9% APR although it may be higher than this depending upon your circumstances. Failure to pay on time or exceeding your credit limit can result in this introductory offer being revoked prematurely. Tesco Credit Card rewards its customers loyalty with Clubcard points. Every complete £4 spend attracts one point which is worth up to four times its face value via the Clubcards deals brochure. With each months comprehensive statement comes a barrage of additional offers from Tesco which involve spending more money to get more points. This months offering included 500 extra points for a £150 spend on wine via Tesco.com/wine. For those who clear their balance in full each month once the interest free period ends and who also keep within their credit limit this is a great way of earning extra points to obtain things as diverse as RAC membership, holidays and magazines for free. For those who pay only the minimum each month the Tesco card is not quite as appealing. The APR is at the higher end of the spectrum, late payments attract a £12 fee as does exceeding your credit limit. Completing the online application form is straightforward as is the paper application form readily available in all branches of Tesco. Simply select the type of card you require from a choice of standard or platinum although it seems Tesco aren't too choosy as I was upgraded from my application from a standard card despite my sole income being less than £100 child benefit a month. Fill in some basic personal information and your Tesco Clubcard number and press submit. Then sit back and see what the postie brings. Statements are generated each month giving you a further three weeks to pay via a vast range of methods including on-line, over the counter and by post. The statement carries the usual warning that only paying the minimum may result in you owing more money than you initially started out owing. The current minimum payment is £5 or 5% of the overall balance with additional fees charged for foreign transactions and cash advances which include transactions with on-line bingo and other gambling sites. Payments are not applied in the order that you made them but rather according to transaction type so that special promotional offers are cleared before balance transfers and cash advances which also attract a higher rate of interest.

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                27.10.2009 14:18
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                A Great Reward Credit Card, With Competitive Interest Rates.

                Like lots of people, I buy a lot of items on my Credit Card & pay them off the same month. Because of this I have always wanted a Credit Card that gave me something back. That's why I went for Tesco's card. First of all, applying. This was very easy. I filled out a form in store & after a couple of weeks, I received my card. Very easy & hassle free although not as immediate as if you go to your own bank. At the moment they are offering 16.9% APR with offers of 0% interest for 6 months on balance transfers (however a small fee applies on the transfer) and 0% on purchases for 12 months. I think you can have these switched around though if you'd like. I went for the balance transfer offer. On top of this you get 1 ClubCard point (worth 1p) for every £4 that you spend anywhere in the world on your card. This is the equivalent of 0.25% cash back on all purchases. This might not seem a lot & to be fair it isn't a great deal of money, but it's better than getting nothing at all. You can even get interest free credit deals on purchases from tesco online. If you are looking for a new credit card, then I would recommend this one to you. Have a look around on the internet & you'll see that it's one of the best deals out there. In all, a really good financial product

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                08.09.2009 11:55
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                Rewards for using your Mastercard

                I have had a Tesco Credit Card for about five years and I first applied for it because of the added incentives you get as a Tesco customer and the fact it was 0% interest for the first six months. However, five years on it is still the only credit card I have. I always pay off my balance in full so have no need to change for any balance transfer offers or 0% offers, and the clubcard points I get for spending on the card keeps me as a customer. The card is a Mastercard and basically if you use your Tesco credit card in Tesco they will give you 5 clubcard points (4p) for every £4 you spend and if you use your card for spending elsewhere you get one point (1p) for every £4 you spend. This does not sound much but I always try to make the effort to spend on my card and every quarter when they send out the clubcard statements I always receive a voucher for between £5 and £10. So every year I am getting up to £40 in Tesco vouchers just for spending with my Tesco credit card. This can also be 'doubled up' at the moment, an offer they currently have where you can double up the value of your vouchers. They also always have rewards where you can get up to four times there worth. On the negative side you always get one point per pound spent in store when using your clubcard, so using your credit card will only get you that one point every £4 anyway. Another reason I continue to stay loyal to Tesco is that three years ago I bought some concert tickets and the company went bust but because I had bought the tickets with my mastercard Tesco refunded me my loss. I just had to fill in a form and a few weeks later I had my money back, no hassle at all. The card is easy to apply for. You get a monthly bill which you can either pay by direct debit, over the phone or at your local bank. If you register online you can also view your balance, transactions and pay your bill online. Any time I have ever needed to contact them by phone they have always been really friendly and helpful. Overall a really great card, I have been a customer for years and have had no problems with them and I have received lots of Tesco vouchers in return for using my card. Everybody loves money for nothing.

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                  07.08.2009 13:36
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                  Decide what you want from your credit card - this one suited me.

                  About 18 months ago I was looking to change my credit card to one which offers cash back as a way of getting a little bit extra. After looking at several different cards I decided on the Tesco Clubcard Credit Card. Where I live the only supermarket in town is Tesco and the closest petrol station is at the Tesco supermarket. This means that I do all of my grocery shopping and get my fuel from Tesco's. The Tesco Clubcard Credit Card does not offer cashback but awards Tesco Clubcard Points; you get 5 points for every £4 spent with Tesco, in addition to your points for your purchase and 1 point for every £4 none Tesco Purchase. The credit card is a mastercard and comes in 2 design choices, a predominantly silver card or a blue card, I choose the silver card so not to get this mixed up with my clubcard. I decided to get this card to get extra points, I save my points and use them to buy the food for my daughters birthday parties and any left go towards treats for Christmas. Alternatively you can use these for Clubcard rewards where they are worth 4 times their value. You only need to give your credit card when purchasing items at Tesco, you do not have to give your clubcard. For online purchase there is a security function for authorising transactions, when you first use your credit card online you are asked to register and you set a password and answer some security questions. When you make online purchases you are asked to give 3 random letters from your password to proceed with the payment. The statements are monthly usually dated around the 22nd and arrive by the 27th and the payment is due around the 11th of the following month. I only use my credit card for items I have budgeted for so I always pay the full amount each month. The typical APR is 16.9%, 0% interest on all purchases for 12 months from opening the account and 0% interest on balance transfers from account opening is currently being offered, however please check this before you apply as it may have changed. The extra Tesco points I have received from the card is definitely noticeable when the vouchers come each quarter, so if you shop at Tesco and want to earn a few more points then I would recommend this card. If you do not use Tesco then a cash back card would probably suit you better. Its all about what you are trying to achieve with your credit card at the end of the day.

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                  15.06.2009 20:35
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                  Only get it if you can pay it off fully every month

                  I got this card following a recommendation from Money Saving Expert.com As a student (without fixed annual income) I was pleased that Tesco accepted me (albeit with a small credit limit), since my application for the Nectar Amex Credit Card was rejected. I can confirm that it does pay out plenty of club card points, but there are a few things to note. First, only get this card if you are able to PAY IT OFF IN FULL EVERY MONTH! I can't emphasise that enough, because otherwise the rates are extortionate. However, Tesco make it easy for you to manage this card. The internet website is really clear and easy to use, so you can make payments to it and see your balance very efficeintly. also, you can set up a monthly direct debit to pay the card off in full automatically - I recommend this for ease. you only get one extra clubcard point for every £4 you spend, but as they say - every little helps. especially if you convert your points into Tesco Deals vouchers worth 4 times as much.

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                  22.03.2009 12:12
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                  A card with minimal rewards that, in my opinion, is mis-sold

                  When I met my other half I moved from a diehard Sainsbury's shopper to a Tesco shopper and have never looked back. In order to make the most of the Tesco loyalty clubcard and really boost my points I thought I would change my credit card. ****Signing up**** Applying for this card is a very quick and easy process that can be done online via Tesco Finance.Com. It takes a matter of minutes to complete the well laid out application form and a decision is made almost immediately. The paperwork is then sent through the post, for signature and return, to complete the application. The application process is no different to that of many other credit card providers that carry ut the process online. I can't say that the process was any quicker or slower, any easier or more difficult or any more complcated than that of other providers. I can confirm that I had no problems though and it was a painless transition. ****Card design**** Credit card designs have become a bit of a fashion statement and there are numerous attractive, of specific interest and innovative (I refer to the mint card with the rounded edge) designs available that are used to lure in consumers from existing providers. That said, when I applied for this card I was offered two options, being a card that looked like the normal clubcard (i.e. blue and red) and a card that was silver in colour with strawberries on it. Neither of them are that attractive, original or funky looking so I opted for the normal clubcard design, and what a mistake that was. There were many places where there was a response of "we don't take Tesco clubcards here" as I handed the card over. My standard response of "it's a credit card" quickly turned in to sarcasm that, I regret to say, were almost to the point of rudeness. Whilst a Mastercard that looked like a clubcard was a talking point at many cash tills it soon got tiresome. Another thing I found was that I sometimes handed the cashiers my actual clubcard (after all I do carry a club card as well) which was actually quite embarrassing. It was soon time to change to the strawberry design. ****Interest rate**** The current interest rate is on this credit card is 16.9% APR. In all honesty this is not a great rate (at the time of writing both the 'basic' Natwest and RBS credit cards are at this level) and there are lower rates (the MBNA platinum card is carrying an interest rate of 15.9%) and higher rates (the American Express Blue Sky card is carrying a rate of 17.9%). ****The Tesco rewards**** The way in which the points are added to your account are very confusing and , along with a few other people I know that signed up for this card, was under the belief that I would get 5 club card points for every £4 spent in Tescos store, or on Tesco Direct, and 1 clubcard point for every £4 spent elsewhere. In addition to this I thought that for every £4 spent in Tesco I would not only get 5 points for using the credit card but also 4 points for using my regular clubcard, amounting to 9 points per £4 which is a bit of a bonus. However this assumption was wrong. When you are granted a Tesco credit card it is automatically linked to your existing club card account. Therefore, you will actually only receive 5 points and not 9. I'm sure it states it somewhere in the small print but this linking of accounts is not clear to see and I know of many people that caught out with this, just like I did. I was informed by a friend that Tesco have been very clever in that if you use your credit card to pay for the shopping then you, as the credit card holder, will automatically get the points even if you hand over a different club card. I was sceptical about this but decided to test it out by going shopping with my mum. At the checkout I handed over her club card (which was subsequently swiped) but paid with my credit card. When the statements came in we were amazed to discover that the points were awarded to my card, as opposed to hers. I guess this is a way that Tesco prevents consumers cheating the system. Whilst this scheme is all above board, I think that it is a bit naughty and Tesco should be forced to clearly state how their credit card rewards scheme actually works. I now find myself asking the question is the Tesco credit card actually worth using? After all, the true benefit is 1 point per £4 spent regardless of where you use the card (bearing in mind that all club card holders will get 4 points per £4 (or 1 point per £1) for shopping at Tesco. ****Other rewards**** A Mastercard customer can benefit from many other offers and deals, such as 15% of a Champney trip, 10% of Hertz Rent-a-car and 10% of Superbreak amongst many others. This is great if you actually use any of these, but if you are like me then these deals are as good as a chocolate tea pot. It should be noted that these other rewards are available to all Mastercard users and is not exclusive to Tesco credit card holders so it is not worth signing up for a Tesco credit card purely for taking advantage of any of the offers advertised by Mastercard. ****Online maintenance**** As with many other credit cards it is possible to keep an eye on your spending via an online account. I think online accounts are fantastic tools as they not only let you know how much you've spent and how much you have left to spend etc. but they are also a great way of ensuring that your card is not being misused or cloned. If there are any problems then an online account allows you to pick these up earlier and inform the credit card provider much earlier than would have been the case if the problem was only picked up when a statement was issued. ****My opinion**** If you are considering getting a Tesco credit card in the belief that you are going to amass hundreds and hundreds of additional points over a short period of time (just like I did) then I'm afraid you are going to be disappointed. You will get additional points, but it equates to 1 for every £4 you spend. Just think how much you will need to spend to amass those points. Hundreds? Thousands? Tens of thousands? Now think how long it is going to be before you are going to spend that sort of money. Weeks? Months? Years? I did this calculation and I was flabbergasted. The amount of additional points was so minimal that it just wasn't worth getting this card for the points alone. If you take the above in to consideration you basically have a standard Mastercard with, what appears to be a typical interest rate of 16.9% APR. Whilst it is not the highest rate out there, it definitely is not the lowest and, if like me, you use your credit card throughout the month and religiously pay off the balance in full at the end of each month then who cares about the interest rate? It can be 75% for all I care. All I wanted was the rewards and the Tesco credit card fails to deliver on this. That said most credit cards seem very poor on the reward front and whilst the marketing gives you all the spiel about how good the card is, all the rewards you will get etc etc in reality you get very, very little. Just goes to show that you don't get nothing for nothing in life.

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