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New 1,000 Clubcard points sign-up bonus on the Tesco Mastercard

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For the first time this year, Tesco Bank is offering a sign-up bonus on the Tesco Clubcard Mastercard.

See here for details.

This link was sent to a select number of people by Tesco – this offer does not appear on the main Tesco Mastercard website.  I am confident that anyone who applies via the link above WILL receive the 1,000 points, whether or not they were targetted.

The card has a representative APR of 18.9% variable.

Tesco credit card

If you apply for the card by 8th June via the link above, you will receive a bonus of 1,000 Clubcard points when you make your first purchase within two months of receipt.  This is worth 2,400 Avios or 2,500 Virgin miles.

You also pay 0% interest on all purchases and balance transfers for 12 months, which effectively means that you can just make the minimum repayment and keep your money earning interest in the bank instead.  The fee for balance transfers is a very low 0.85%.

Based on previous experience, this offer should also work with the 1,000 points ‘refer a friend’ bonus. Once you have received your Tesco credit card (yes, AFTER you have received it!) email me at rob at headforpoints.com and I will send you a refer-a-friend form. Post this back to Tesco and you will get a further 1,000 Clubcard points. I also receive 1,000 points for referring you.

The Tesco Mastercard is, for 99% of people, the best way to collect Avios from a MasterCard or Visa. You earn 1 Clubcard point for every £4 spent – this is calculated on a ‘per transaction’ basis, unfortunately, which is a bit of a swizz and means that your actual earning will be lower than this. However, theoretically you will be getting 0.6 Avios per £1 spent.

(The HSBC Premier Mastercard, reviewed later this week, is better than this, at 1 Avios per £1. However, the card has very restrictive criteria for potential applicants.)

I explore the Tesco credit card in full in my review here.  This is the old 2013 review – I will be writing an updated version in the next few weeks when the ‘Credit Card Reviews’ series cycles around to ‘T’.

Want to earn more points from credit cards? – April 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Business Rewards Visa

Huge 30,000 points bonus until 12th May 2024 Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Category

Tesco Clubcard

Comments (24)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • James67 says:
    21 Apr21 April 07:09

    IME applicants will get the 1000 points for sign up or the 1000 for being referred. When I chased up my missing 1000 points I was told twice I could’t have both. While there is nothing in t&c to this effect I was to busy at time to take it further. I will be cancelling card shortly so may offer to keep it in return fot my missing points.

    • Matt says:
      21 Apr21 April 09:44

      It may have been a mistake on their part but for me both the 1000 for taking it out and the 1000 for the referral (thanks Rob!) worked fine for me. When I cancelled they said there was a 6 month waiting period before taking it out again, so I’ll have to miss this one!

  • Danksy says:
    21 Apr21 April 07:51

    I might be missing the point, but why is per transaction a swizz?

    • Jason says:
      21 Apr21 April 07:58

      Because if you spend £3.99 twice you get 1 clubcard point x2. However on the HSBC MasterCard you get £7.98 towards Avios points.
      I have the old tesco card which gives 1 pt per £2 spend. If I spend 3.99 I use the HSBC card, as it is cumulative spend over the statement period, if it’s £4 I’d use the tesco card as it gives 4.8 Avios, when converted.( that’s the old card).

      • Andrew (@andrewseftel) says:
        21 Apr21 April 08:14

        if you spend £3.99 twice on this card you get nothing whatsoever!

      • Polly says:
        21 Apr21 April 08:15

        The current tesco MasterCard only gives 1 point per £4 minimum spent equals 2.4 avios, but nil points up to £3.99. Each transaction is individually totted up, not great. They could be more generous, and give one per £. Better if combined with an amex, if you have one, to pay and then use the m c as club card , you can up your avios.

        • Jason says:
          21 Apr21 April 12:15

          If you use the tesco credit card (which pays 1 point/£2 spent), in tesco, is it still 5pts/£4 spent in store?

          • Rob says:
            21 Apr21 April 20:14

            That wouldn’t make sense … logically it would be 6 points per £4 spent in store, including the base points.

  • Danksy says:
    21 Apr21 April 08:44

    Ahhh. Thanks for explaining! :p

  • Maximus says:
    21 Apr21 April 09:38

    I have never taken up the offer of a 0% credit transfer from one card to another before, as I pay each card off monthly.

    But I was thinking after reading the Tesco Bank site…

    If you did transfer from another card to the Tesco card in order to partake of the 0% credit transfer offer, are you then obliged to close the credit card account you have transferred the debt from?

    Can you transfer debts from Amex debit cards, or just credit cards?

    And do the banks, whom you have transferred the debt from, take exception to this move? Do they ever take any action e.g. closing the account, reducing credit limits etc?

    • Andrew (@andrewseftel) says:
      21 Apr21 April 09:45

      You are not obliged to close the account. The outstanding balance is just paid in full by Tesco. Just credit cards (nothing to stop you trying with a debit card, but it shouldn’t work). Your original issuer is within their rights to take the sort of action you suggested, but I’ve not heard anything to suggest that it would be typical of any issuer. They are more likely to close account or reduce limit if you don’t use the card after it has been paid off.

  • Maximus says:
    21 Apr21 April 09:48

    I note the link above states the transfer fee is 0.85% but the elsewhere on the Tesco Bank website it states it is 0.65%. Not that this will make much of a difference, but clearly I am in a pedantic frame of mind this Easter Monday!

  • Froggitt says:
    21 Apr21 April 10:02

    Slightly OT but I cant post in the 3V thread. Tesco till spits currently giving £5 of £40 spend, so of you can get hold of any, its an ever bigger no brainer.

    • Nick says:
      22 Apr22 April 12:07

      I’ve not seen any 3vs for a while now, which is a real pity as I’ve got a genuine reason to use them! For our wedding, we need approximately 200 items that sell at exactly £25 each…. and I won’t let my girlfriend order them with anything other than 3v cards. The problem is, the supply ran out about a month ago and I can’t find any now.

      • squills says:
        22 Apr22 April 12:43

        Try further afield? Swimming in them down here 😉

      • What's the Point says:
        22 Apr22 April 14:54

        Who says romance is dead!
        What x 200 do you need for exactly £25 each?
        I wish I had earned some Avios for my wedding…..

      • Alan says:
        22 Apr22 April 23:59

        Loads of them up here in Edinburgh 😉 Sadly given the NS&I cashout has been closed along with many other websites that previously accepted them I’m not bothering to buy them.

  • thesaver79 says:
    22 Apr22 April 13:44

    I applied for a card a month ago. I wish I had waited 🙁

    I haven’t received the card yet though. Apparently it’s got lost in the post.

    • Rob says:
      22 Apr22 April 16:08

      You can still get the refer a friend when it turns up!

      • thesaver79 says:
        22 Apr22 April 16:28

        I know, I was counting of doing this as soon as I get the card. I had to ask for a replacement. But that’s only 1000 vs 2000 points 🙁

  • Fenny says:
    22 Apr22 April 17:14

    Unless it’s anything like Santander 123, I can’t see much interest. I used to have a Tesco savings account until they cut the interest rates so low they’d have trouble tripping up an ant.

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