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Is the new Tesco Clubcard Plus credit card, which earns Avios, worth a look?

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This is our review of the new Tesco Clubcard Plus credit card.  Does it have anything new to offer?

Last November, Tesco launched its new subscription-based Clubcard Plus proposition.  The idea is that, for a monthly fee of £7.99, you get a range of benefits on Tesco products.

Here is what you get for your money:

Tesco Clubcard Plus credit card review

10% off two monthly shops, up to £200 each (INSTORE ONLY)

10% off F&F, Fred & Flo, Go Cook, Fox & Ivy, Tesco Pet and Carousel brands all year round

Double data on your Tesco mobile contract

Exclusive access to a Tesco Bank card with 0% foreign transaction fees

These are on top of the usual benefits you’d get from a ‘standard’ Clubcard, including points earning and spending.

The response to date from the public seems to have been muted, to say the least.

Whether these benefits are worth the £7.99 a month you are paying depends on your personal shopping habits. If you spend £100 on groceries every fortnight in a single shop, you would save £20 per month. That would mean, disregarding all the other benefits, that you were saving £12 a month.

The problem is that many of us are moving away from big weekly or monthly shops, choosing to nip around to the local shop more often to buy fresh produce.  There is no simple answer, so you will have to work out yourself if you will save any money upgrading yourself to Clubcard Plus.

The inability to claim the discount on deliveries is also odd.

Is the Tesco Clubcard Plus credit card any good?

Whilst Clubcard Plus launched in November, the credit card only launched this month.  It looks like this:

Tesco Clubcard Plus credit card review

Here is a summary of the benefits:

No annual fee

No foreign exchange fees

0% interest on purchases for 12, 15 or 18 months depending on status

Earn 1 Clubcard point for every £8 you spend (1 per £4 in Tesco)

Representative interest rate on purchases 19.9% variable

There is NO sign-up bonus.

On the face of it, these benefits are not bad.  The problem is this – they are nowhere good enough, on their own, to justify paying £7.99 per month for Clubcard Plus.

I would go further, in fact, and say that this credit card should play no part in your decision on whether to get Clubcard Plus or not.

The Clubcard earning rate on this card is the same as the rate on the free Tesco credit card.  At 0.125 Clubcard points per £1, you would get 0.3 Avios or 0.312 Virgin Flying Club miles per £1.  It’s not great, but the ability to use your vouchers for other Clubcard deals if you change your mind about Avios or Virgin miles is a strong plus point.

However, if you want a Tesco credit card, you can get the free one which has the same earning rate – there is no need to join Clubcard Plus.

Similarly, there are no shortage of free credit cards offering 0% foreign exchange fees.

There is one genuine benefit.  As well as 0% FX fees, you will also earn Clubcard points on your foreign spend.  This means that it is the only personal credit card which lets you earn Avios on foreign spend whilst paying 0% FX fees.  The Avios rate is so low, however, that you could never justify the £7.99 fee just for this.


Tesco Clubcard Plus is a bit of a missed opportunity and, for Tesco, possibly a mistake.

If you spend £80 or more across no more than two in-store shopping trips per month, it makes sense to join – but does it make sense for Tesco to give you a big discount, whilst also alienating online customers?

For everyone else, the additional benefits – such as this credit card – are so weak that signing up makes no sense.  This isn’t Amazon Prime, by a long way

If you have got Clubcard Plus already and spend a lot of money outside the UK, it may be worth adding this card in order to earn Avios whilst racking up 0% FX fees.  Assuming you already have a 0% FX fees card without rewards, however, I doubt the benefits make it worth adding yet another card to your life.  If you had £5,000 of foreign spend per year you would earn just 1,500 Avios, which is hardly worth the effort of applying.

You can apply for the card on the Tesco Bank website here.

Want to earn more points from credit cards? – September 2021 update

If you are looking to apply for a new credit or charge card, here are our September 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

The following offers will expire on 2nd November 2021:

  • 10,000 Avios on British Airways American Express
  • 40,000 Avios on British Airways American Express Premium Plus
  • 60,000 points on The Platinum Card from American Express

Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

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

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending 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.

American Express Business Gold

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

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company 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 Credit Card

1% cashback and no annual fee Read our full review

Comments (137)

  • Mike P says:

    Clubcard plus, really, just really? I’m not sure who dreamed this up but I can’t see it being successful. Personally I actively avoid Tesco and haven’t been in one for years and genuinely have no idea who the target audience for this actually is.

    • John says:

      Perhaps people who spend £60 to £250 a month in Tesco might be persuaded to increase the amount they spend, on stuff that earns Tesco a bigger margin

      This (the 10% discount, not the new card!) could have been pretty useful to me 7 years ago when I lived next to a big Tesco, but I won’t spend an extra 20 mins driving to Tesco for 10% off

      • BJ says:

        For comparison, we got £51 off £450 MOC this month, no subscription necessary and we can add giftcards if we don’t want to spend all £450 at Tesco. £5 off £15 on cleaning stuff, 5p off per L gas, and signed up to a month free trial of same day delivery. I don’t see the point of clubcard plus, we just have to develop a strategy that keeps the MOC coming through the letterbox.

        • Dave says:

          OH has had no MOCs in months and recently stopped shopping in tesco on my clubcard (cancelled delivery saver and going elsewhere) to try and trigger some on my own account. Nothing yet.

          We used to get serious money off on a regular basis before we subscribed to delivery saver.
          Any tips you’ve learned so far to get the coupons flowing?!

          • Shoestring says:

            always use the first one, failing that one of the 3 to keep them coming

            I tried to get them going again for me by using one of my wife’s MOCs but on my own clubcard swipe – which works fine – but they haven’t started up again

          • BJ says:

            In addition, I recommend you call and tell them Nectar now works much better for you, that you would prefer to shop Tesco but will not do so until you get as many coupons as Sainsburys gives you. Last time I did this in reverse I got 6 x £6 off £40 coupons from Sainsburys.

          • RussellH says:

            Do not get coupons from either Tesco or Sainsbury’s anymore.
            I assumed that both had stopped doing them.
            But always difficult to use anyway – even if they were for something that I actually wanted, I had usually bought it before the coupon arrived, and there was no way I would need to buy it again until long after the coupon exprired.

          • Lady London says:

            Yes people on here have said that Delivery Saver stops the MOCs. @BJ has the best strategy.

          • BJ says:

            @LadyLondon, I’d actually go to Aldi(‘s) or Lidl(‘s) if I didn’t dislike shopping so much. I only go to the store when I need giftcards or something I cannot get online. My strategy works well for je but not for all.

  • The Original David says:

    What a woeful product. Why does Tesco offer the same (poor) earning rate across all its cards, whether they’re credit or debit? Surely there’s more margin to be had on the credit card, no?

    • Shoestring says:

      Tesco pet insurance still open to application – 2500 clubcard points/ 6000 Avios/ Virgin miles

      easy to get a policy costing about £3-4/ month if your free of charge, moggy cat is female, 18 months, lives inside, healthy, vaccinated against pussyviruses and you must choose accidents + illnesses (minimum Standard cover) & keep the policy going 35 days (2 payments)

      • xcalx says:

        First payment came out on Thursday for Popcorn and Candy. LOL

      • The Original David says:

        Thanks, I’ve already done that one (with your tips on what sort of pet I should get!), but that’s not dependent on Clubcard Plus is it?

      • Oz says:

        Shoestring – do you know if you qualify for 2*2500 Clubcard points if you take out a policy for your 2 cats OR is it better to take out 2 separate policies, one for each cat? TIA

        • Shoestring says:

          definitely 2 policies and it’s only 1 per person, you might want to start a new clubcard a/c for your mum at your address in case she comes to stay

      • Travel Strong says:

        I’ve just bought a policy using the TOPPET code, but at no point was I asked for my CC number. Where have I gone wrong?! :'(

        • Shoestring says:

          nothing, if you are sure you didn’t miss it – it doesn’t appear if they can match your personal details to what they have on file for you @Clubcard, ie it’s automatic – best take a screenshot of the offer, though

        • Travel Strong says:

          Called them up, and it’s fine. They automatically grab your CC number using your personal details, and only ask for it if that lookup fails. Just in case anyone else has the same worry!

      • The Original Nick says:

        Harry, I can only get my quote for my cat insurance down to £5.76/mth.

        • Shoestring says:

          even with the excess at £200? could be your postcode – London? (where it seems a lot of cats get killed on the roads)

          try a dummy person living in Cornwall postcode with the same cat details/ some people did fine with 18 month non pedigree dog

          • The Original Nick says:

            Yes with the £200 excess. I’m in Oxfordshire.
            Will try a dummy run. Thanks.
            I’m pretty sure this offer came up 3-4 years ago or was that the Life insurance?

          • The Original Nick says:

            Found it. Took out a poilcy 07/01/2016. Would this prevent me getting the 2500 CC points do you think? It was for a dog then. I’ve got Bagpuss to insure now.

          • Shoestring says:

            not if you cancelled it back in 2016 as well

      • Lady London says:

        Not in London. Min. £8 for anything in London.

        This is a gift for the regions.

        • Simon says:

          I got a hefty quote for my west London address even though I said she was a house cat.

  • Bazza says:

    They are attempting an “amazon prime” type product but to scared to make the off truly interesting.

    • BJ says:

      A bit late for that after they started closing or running down everything except groceries. I just wish nectar could get avios iff clubcard.

      • Polly says:

        How’s your new kitten doing???? What did you name it in the end.. thought that was hilarious…

        • BJ says:

          Still grieving the last one, and I have an allergy so I’ve yet to do anything about it Polly.

        • BJ says:

          … and I think I know what you are talking about. That was taken down because somebody thought it was outrageously sexist which it wasn’t in the slightest as there was nothing stereotypical, prejudicial or discriminatory about it.

          • Polly says:

            We thought it was hilarious, we were even talking about it at the party!

  • david says:

    After shopping in Aldi and Lidl I have saved thousands, literally, whilst losing clubcard points. I think last year I got £3.50.

    • Anna says:

      Prices at ASDA are comparable to Aldi these days, and they offer the free Click and Collect service as well. Meanwhile, my local Tesco is expensive, offers poor choice and no Click and Collect (I’d have to go to one 14 miles away for that!)

      • Lady London says:

        I agree with you Anna. Previously better Asdas were up North. But nowadays clicking and collecting at some of the bigger London ones is giving a good selection.

        Annoying that delivery for Waitrose, Tesco and Asda seems to force you only onto the specific products/stock levels currently available in your local store. So sometimes Click,& Collect is necessary to override this and get access to a better selection in another branch.

        I am becoming a reluctant fan of Asda though. I guess being owned now y Walmart has helped.

    • Erico1875 says:

      Me too. Aldi Cava £5.29. Tesco Tec £6.50.

      • Polly says:

        It was down to,3.99 around Xmas, quite delicious

      • BJ says:

        So how much are you saving each year on that Erico? And are you coming to Edinburgh meeting if it happens?

        • Alan says:

          What’s this chat about an Edinburgh meeting? 🙂

          • Lady London says:

            Let me know when in good time and I’ll tie in my trip to Dundee!

        • Erico1875 says:

          6 a week just on Cava. General groceries are about 20% cheaper so overall about A grand a year. Yes I would be interested in a Edinburgh meeting

          • Shoestring says:

            I reckon I save quite a bit more than £1000/ yr having switched to Lidl/ Aldi plus the quality of the sort of food I buy (ie mostly fresh stuff) is better than Tesco/ Asda/ Sainsbury, meat same as Morrisons

    • Lady London says:

      This. Is why the offer. I think it’s a retention offer for existing Tesco food customers against the likes of Lidl and Aldi.

      • Peter K says:

        I think the same. Tesco is trying to look after loyal customers so they don’t start moving elsewhere. I never assumed that clubcard plus was to attract brand new customers but to increase the inertia that is stopping existing customers from going elsewhere.

      • BJ says:

        Agree, I think many stick with Tesco due to habit and don’t even bother evaluating alternatives (I don’t included @Liz and others in that who have clearly figured out hiw to makd it work for them).

  • pauldb says:

    “If you cancel your Clubcard Plus subscription, your credit card account will remain active until at least 12 months after your last paid subscription month.”

    That’s got some legs.

  • Nick_C says:

    For shopping in Tesco, its a far worse deal than the debit card, which gives you one CCP per £ spent.

    I’m currently on the free two month trial of Clubcard Plus but I will be cancelling.

    • Shoestring says:

      I’ve got that 2 months’ free invitation sitting there waiting, did you establish any points earning opps?

  • Kenneth says:

    Does any one else still have the Tesco Premium Credit Card? I am thankful that I have continued to keep up my subscription. I think it is £24 per year, but now closed for new applicants. I don’t know how long they will let me keep it, but it is probably one of my most valued cards.

    No special perks attached to it though. I just use it for points. So, if I spend £2500 a year at Tesco, doing shopping I would do anyway, I receive 2500 extra Tesco points, plus an end-of-year bonus of 2500 Tesco points. And that’s on top of the 2500 I get for just using the clubcard. So that is a total of 7500 Tesco points which converts to a nice 18000 Avios or 19500 Flying Club points.

    Unfortunately I can no longer pay my Tesco CC bill with my Revolut card. Unless anyone still has a way around this?

  • BJ says:

    I decided to ditch my Tesco current account for £175 from HSBC. Looks like it will be going anyway but if not then it sets me up for any new variant/offer that might come along.

    • Relaxo says:

      Same here. There’s also a £100 each refer a friend bonus for switching to TSB until end of Feb (usually £75). Works nicely for a couple.

      • BJ says:

        Thanks, my partner has TSB account. We have both had bonuses before so I’ll not get the £100 but I’ll check the small print to see if he can still get the £100 for recommending me.

        Any idea if we can still use our cancelled debit cards as clubcards when buying petrol?

      • eli says:

        I just got my wife to change her account to TSB, only after that did I pay attention that she is part of my joint account.

        not gonna get the £100 are?

    • Steve says:

      Ditching the tesco current account? School boy error. I make 60k points from our family’s accounts each quarter.

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