Tesco Bank Clubcard Plus Credit Card: Is It Worth It in 2025?

For UK shoppers loyal to Tesco, the Tesco Bank Clubcard Plus Credit Card may seem like a smart way to stack up savings. But is it really the best option for your everyday spending and bigger purchases?

This review breaks down how the card works, who benefits most, and how it compares to key competitors like Sainsbury’s Bank and M&S Credit Card. Whether you’re eyeing Tesco credit card rewards or just want a low interest credit card in the UK, we’ve got the details that matter.

How Does the Tesco Clubcard Plus Credit Card Work?

This credit card is exclusively available to Tesco Clubcard Plus subscribers, who pay a monthly fee of £7.99. Cardholders enjoy:

Double Clubcard Points on most Tesco purchases

10% off two big Tesco shops per month (up to £20 total saving)

0% interest on purchases for up to 12 months

0% balance transfer for 9 months (with 3.99% fee)

It’s a hybrid between a cashback card and a loyalty booster, offering more value for frequent Tesco customers who can fully utilise both the point multipliers and the monthly discounts.

Comparison: Tesco vs. Other UK Credit Cards

Feature Tesco Clubcard Plus Sainsbury’s Nectar M&S Bank Shopping Card

Loyalty Scheme Tesco Clubcard Nectar Points Sparks Points

Points on Supermarket Spend 2 pts/£1 2 pts/£1 1 pt/£1

Intro Purchase Rate 0% for 12 months 0% for 12 months 0% for 6 months

Balance Transfer 0% for 9 months 0% for 15 months 0% for 12 months

Sainsbury’s may offer better balance transfer terms, but Tesco has the edge on grocery-specific perks, especially if you already shop there weekly.

Primary Use Cases: Who Gets the Most Value?

Families doing large weekly Tesco shops – the 10% discount alone can offset the subscription cost.

Tesco Mobile customers – who benefit from exclusive deals through Clubcard Plus.

Cardholders seeking a short-term 0% purchase period – ideal for spreading out big-ticket purchases.

Value Breakdown

Over a year, a household spending £400/month at Tesco could save up to £240 in discounts and earn roughly 19,200 Clubcard points, worth around £192 in Tesco Rewards — easily outpacing the £95.88 annual fee.

Should You Keep Reading?

If you’re looking to squeeze every penny from Tesco’s loyalty ecosystem — and want expert strategies for doing it — keep reading.