Maximise your Avios, air miles and hotel points

Get 0% interest and NO balance transfer fee on the Tesco Clubcard credit card

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The credit card coverage on Head for Points is focussed almost entirely on the ability to earn miles and points.  I do not focus on interest rates or, in the main, quality of customer service.

That said, it is worth highlighting a (new?) variant of the Tesco Clubcard Mastercard that has popped up on their website.

The representative APR on the Tesco Clubcard card is 18.9% variable.

If you scroll down to the 3rd card variant on that page, you will see that Tesco is offering balance transfers from existing credit cards with NO FEE.  The transferred balance will then incur 0% interest for the first 10 months.

To be honest, if you run a balance on your credit cards then you should be focussing on obtaining a low interest rate and NOT taking out additional cards to take advantage of sign-up offers.

This is not a bad deal, though, for people who do have a balance.  You do not earn any Clubcard points (so no Avios) on the balance you transfer however.

Going forward, the Tesco credit card earns 1 Clubcard point (2.4 Avios, 2.5 Virgin Flying Club miles) for every £4 you spend.  This is calculated on a ‘per transaction’ basis so a spend of £6 only earns 1 point.  Unless you meet the strict criteria for the HSBC Premier credit card, the Tesco card is highest earning Visa or Mastercard for Avios points.

There is no sign-up bonus for opening a Tesco Clubcard Mastercard.  However, once it arrives, you can claim 1,000 Clubcard points (2,400 Avios points) via their refer-a-friend scheme.  Send me an email at rob at when you get your card and I will send you the refer-a-friend form.

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:

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

Get a 10,000 points bonus plus an extra 500 points for our readers 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

Comments (10)

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

  • JQ says:

    I was investigating the free BA card (which according to a recent post has the better offer of 9000 avios), but when you are not referred, the Amex site is offering Special offer of 0% on purchases for 18 months and only 1,000 bonus Avios welcome offer…

    • Rob says:

      Where is that? When I go to and click on the BA card I see 9,000 Avios.

      • Polly says:

        Yes but the next box, same card though, states the 9k bonus, so if you stop at the first card, you have had it! Pays to browse, as we all have learned!

      • JQ says:

        Very interesting, I clicked a link from Moneysavingexpert and the amex website shows the 18 month 0% + 1000 avios; but after clearing cookies and going back to the amex site, it shows the “normal” 9000 avios offer

      • Worzel says:

        Terms and Conditions

        1. 0% interest on purchases for 18 months. At the end of the 0% purchase rate period if you haven’t paid off the amount of the purchases in full, interest will become payable on the remaining amount at your standard purchase rate. Introductory offers are not available to existing British Airways American Express Credit Card holders.

        2. For the Credit Card, 1,000 bonus Avios will be awarded onto your account once you have been approved and you have spent and charged a minimum of £500 on goods and services to the account within three months of account opening. For the Credit Card, you will be awarded 1 Avios for virtually every £1 spent and charged per transaction. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. Written details available on request. Introductory offers are not available if you currently hold or have held any other British Airways American Express Cards in the past 6 months. Please note, it can take up to one month for the bonus Avios to be awarded to your account once you have met the required spend.

        3. Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found at or by calling 0844 493 0750. All applicable terms and conditions will be provided within your Welcome Pack if you are approved.

        4. American Express Services Europe Limited (‘AESEL’) makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply.

        5. Supplementary Cards allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardholder and will be liable for all charges made on the Supplementary Card(s). Additional Cardmembers must be 18 years or over. Written details available on request.

        Applicants must be 18 years old or over. Approval subject to status and terms and conditions apply.

        American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX. Registered in England and Wales with Number: 1833139. American Express Services Europe Limited is authorised in the United Kingdom by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services. For insurance mediation activities only, American Express Services Europe Limited is an Appointed Representative of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services Register.

  • Mike says:

    What kind of limit is typical with these cards? Or is it highly variable?

  • Londonbus says:

    if you run a balance on your credit cards then you should be focussing on obtaining a low interest rate and NOT taking out additional cards to take advantage of sign-up offers what you should do is move your debts to this card, stop spending and focus on paying your debts off….

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