Tesco Purchases Credit Card - 0% interest period on purchases for up to 28 months - earn Clubcard points + get £21 cashback from TCB/ Quidco
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Tesco Purchases Credit Card - 0% interest period on purchases for up to 28 months - earn Clubcard points + get £21 cashback from TCB/ Quidco

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Found 8th MarEdited by:"deleted1391139"
With this Purchases credit card, you won't have to pay interest on purchases up to 28 months - and will earn Tesco Clubcard points on purchases. You can get slightly longer period interest-free credit cards (try Sainsbury's 31 months) but won't earn Clubcard points. Always pay minimum monthly instalment & don't withdraw cash @ ATM or the interest-free period lapses. Go through TCB/ Quidco and there's £21 cashback for you as well (might need to invoke the highest cashback guarantee.)

Some things can’t wait, but the cost of them can. Help spread the cost of your spending as this card has our longest 0% interest period on purchases.

  • No interest to pay on purchases for up to 28 months from account opening. We may offer you a 0% interest period of 22 or 16 months instead depending on your individual circumstances
  • Collect Tesco Clubcard points wherever you use your card, plus your usual points in Tesco Terms apply
  • 0% interest on balance transfers for the first 3 months, with a 2.9% balance transfer fee. You can transfer up to 95% of your available credit limit.
  • Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full.
  • Direct debits and payment due date alerts can be set up through online banking after your account has been opened to help you avoid paying late or missing a payment.
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29 Comments
Got this last time, brilliant deal.
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ezzer724 m ago

Got this last time, brilliant deal.


Yep and they seem to be 'generous' with credit limits, many/ most people with an averagely good credit check will get offered £5000-£10,000.
I got 30 months 0% when I opened mine last june!
Sainsbury's doing 31 months interest-free on purchases with their credit card
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coco_cool2 m ago

Sainsbury's doing 31 months interest-free on purchases with their credit …Sainsbury's doing 31 months interest-free on purchases with their credit card


Just as I described in the deal above!

The Clubcard points on the Tesco card are worth thinking about - I'd much rather have them than the extra 3 months [Nectar? Don't get me started on that pile of poop...]
How could we soft check with tesco bank my credit history is not good enough
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planet2sky2 m ago

How could we soft check with tesco bank my credit history is not good …How could we soft check with tesco bank my credit history is not good enough


MSE offer a soft check 'Credit Card & Loan EligibilitySee how likely you are to get deals before applying and protect your credit score.'
moneysavingexpert.com/cre…uk/
I used to earn loads of points with my Tesco CC but then they changed the amounts you need to spend to earn. After they did that i went to a Sainsbury's CC (a lot of bonus points when signing up) plus prefer the food there too!
They offered 16 months interest free even though my rating is good.
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carloszoe19828 m ago

They offered 16 months interest free even though my rating is good.


Don't take it personally - there's an element of luck of the draw. My wife fared much better than I did
Wow!!
quick question ... I've recently put a deposit down online for a holiday (first choice holidays) , would this card be good to pay off the balance of my holiday with , would it count as a purchase ?

Thanks in advance
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rooney103 h, 50 m ago

quick question ... I've recently put a deposit down online for a holiday …quick question ... I've recently put a deposit down online for a holiday (first choice holidays) , would this card be good to pay off the balance of my holiday with , would it count as a purchase ?Thanks in advance


should be fine as long as it is classed as holidays not finance/ cash advance
ezzer726 h, 57 m ago

Got this last time, brilliant deal.


Me too, just coming to the end of mine, brilliant, just need to find another with 0 %, and close this one.
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deleted1391139
Go through TCB/ Quidco and there's £21 cashback for you as well (might need to invoke the highest cashback guarantee.)
Tesco cancels credit cards after suspected fraud - BBC Newshttps://apple.news/ALhnvRiDTQ5-WnfGYHuXCXw
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craig8161 m ago

Tesco cancels credit cards after suspected fraud - BBC …Tesco cancels credit cards after suspected fraud - BBC Newshttps://apple.news/ALhnvRiDTQ5-WnfGYHuXCXw


nothing to see here

[Tesco Bank has cancelled some of its customers' credit cards, after concerns that a number of accounts may have been compromised.

Customers may have to wait up to a week before replacement cards are issued.

The bank said that only a tiny number of its three million credit card users would be affected, and apologised for the inconvenience.

In the meantime, those customers have been told via text that they will not be able to use their cards.

"We take the security of our customers' accounts very seriously and take every measure possible to protect customers from fraudulent activity," a spokesperson said.

"As a result of routine industry-wide fraud protection measures, we have reissued a number of credit cards as a precautionary measure."

In 2016, Tesco Bank suffered a large-scale attack on some of its customers' current accounts. 20,000 people had to be refunded.]
If you can't afford it, don't buy.
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Buckyball5 m ago

If you can't afford it, don't buy.


If you can afford it over time & want to engage your brain & manage your finances to suit you - especially the time element - buy
Still waiting for my cash back to track on quidco from the last deal
deleted13911398th Mar

If you can afford it over time & want to engage your brain & manage your …If you can afford it over time & want to engage your brain & manage your finances to suit you - especially the time element - buy



Well, that would be fine on a bigger purchase and someone spread the money of the 28 month. Nothing wrong with that, especially that you can't get any interest on saving right now. However, that is not why the bank put up that offer. They certainly know, a ton of people will have a good balance at the end of the 28 month and pay big %%% for it if they can't pay it off.
Buckyball1 h, 27 m ago

Well, that would be fine on a bigger purchase and someone spread the money …Well, that would be fine on a bigger purchase and someone spread the money of the 28 month. Nothing wrong with that, especially that you can't get any interest on saving right now. However, that is not why the bank put up that offer. They certainly know, a ton of people will have a good balance at the end of the 28 month and pay big %%% for it if they can't pay it off.


That doesn’t mean everyone with a credit card does that!

I do all my monthly spending on a credit card and pay it off each month. I’ve done that for over 20 years and never once paid any interest or fees, for me it’s just a useful way of shopping and for payments to be covered online.

Using interest free credit to buy things (big or small), whilst investing actual money in high interest investments is the clever way to manage finances.
ctomoz
thx
Its getting ridiculous .. soon you'll have a CC for most institutions banks BS shops .
can you pay off your Council tax on these? I know some councils charge 2.6% ish but does the transaction count as cash advance ? v handy if you can
I know it’s subject to individual personal circumstances but has anyone applied & been accepted for this card? What credit limit were you offered? Genuine responses only please. Thanks OP.
Buckyball8th Mar

If you can't afford it, don't buy.


Better wait for 20 years to buy my house then. Oh wait i've saved the money and its gone up another £50,000. sometimes you have to borrow
My cashback from tcb got declined even though my application has gone through successfully.
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CarlFrench2 h, 12 m ago

My cashback from tcb got declined even though my application has gone …My cashback from tcb got declined even though my application has gone through successfully.


appeal it via Support Claim

I had £50 odd declined the other day on car insurance, appealed it and it has gone to confirmed
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