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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? – June 2021 update

If you are looking to apply for a new credit or charge card, here are our June 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. Here are the other top current deals:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 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

30,000 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.

Amex American Express Business Gold card

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

Earn both Avios and BA On Business points with your business spending 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

Comments (137)

  • Alex W says:

    You always know when the title of the article is a question, the answer is almost always “no”!

    If the answer was “yes” the title would be “jump on this deal before it gets pulled”!

    • Secret Squirrel says:

      I thought the biggest bang with this was max out the 2x spends per month by purchasing gift cards.

      • Shoestring says:

        does that actually work?

        • BJ says:

          I don’t think so. Besides, you already know that a 10% discount on giftcards is common place these days without subscribing to anything, and bigger discounts can often be obtained.

          • Secret Squirrel says:

            If your referring to Amex morries then this is not every month whereas Tesco is!

        • Secret Squirrel says:

          Yes, mix it up with a little bit of shopping.

          • BJ says:

            No, I meant that I don’t know why Harry was getting interested about a 10% discount when he can normally do better without a subscription such as 15-20% MOC, and that place he is always singing about 🙂 However, I guess he usually jumps at anything 10%+ provided he can use it.

          • Shoestring says:

            I’m trying to quell my inner FOMO

  • Spurs Debs says:

    I might of signed up for this BUT it doesn’t apply to shopping.
    I spend approx £150 a week on shopping but I have it delivered. I’m not trekking into Tesco’s and lugging all that shopping about when they bring it straight to my back door, not even to save 10%.

    • Brian P says:

      Yes, this is the weird bit.. Not applicable to home deliveries.. Frustrating.

      • Richard Shakeshaft says:

        Thank you for adding this critical detail! Spending an least £40pw to avoid the basket charge was making me think this was worth it, and just wondering how the shops for the 10% saving were chosen.

      • John says:

        They want you to go in store so they can tempt you to buy more stuff. It doesn’t work as well online.

        • BJ says:

          They are trying to do this at Sainsbury by mixing offers and suggestions into favourites lists, I find it very annoying.

        • RussellH says:

          Yes, we sometimes find that they have deducted 13p from the bill for something that is on “clubcard special” that day. But we only find out about the offer at the checkout!

          As far as we are concerned, on-line grocery shopping is useless as you never get the real bargains – the ones with the yellow labels on.

        • Crafty says:

          It’s more to do with the fulfilment cost. The supermarkets all now regret their arms race on home delivery and are pulling back where possible.

          • Lady London says:

            Like it or not though except for certain niches, delivery is going to replace a lot of bricks and mortar cost. Look at the mayhem in the high streets with shops closing and properties not re-letting.

            The thing is delivery has scale advantages through centralisation of logistics and fulfilment. But distance to reach customers means more of the costs left are variable and
            financially distances to customers cannot profitably be infinite. As Royal Mail and courier co’s indicate with their lists of exclusions and extra charges. Legislation will be needed to fix that eventually so that seller and other customers share the burden of those customers who are expensive to deliver to after the reduction phase in bricks and mortar shops.

            I am sure the pension funds must be rebalancing any investment with high street property exposure for some years now. Unless there is a strategy by the investee to work with the trend e.g. convert high street to residential.

            So like it or not Tesco is going to have to keep delivering as that is where the expansion is and eventually people being delivered will have to be funded as a mixed fixed and variable cost (as compared to fixed cost of bricks and mortar) and will have to receive incentives as well.

            Massive OT but it’s Sunday and socially important.

        • Spurs Debs says:

          Speaking to 2 long term Tesco employees this is exactly the reason. If I have to go into a shop I always spend more, with home deliveries the only time I have something different or extra is if they send a substitute.

          • Spurs Debs says:

            Lady London, my Son has worked for them for over 20 years, and he believes in 20/30 years time it will all be

    • Sussex bantam says:

      I agree completely. Would have been all this if it included on_line but where I would comfortably spend enough to make it work. Haven’t done an instore big shop for years !

    • Mr(s) Entitled says:

      I think this is a cut and paste article repeating the same error. The 10% only applies to in-store purchases. A pretty fundamental detail.

    • Scott says:

      Your post should say “might HAVE”, not “of”. An error of seemingly increasing occurrence.

      And it’s called Tesco, not Tesco’s. Tesco’s what? Never understood why some folk feel the need to make some proper nouns possessive, but not others, e.g. ” I’m going to Asda’s “, said nobody, ever.

      • Rob says:

        You have clearly never met a working class Northerner. It is relatively standard do to pluralise names. I will still occasionally say ‘I’m going to Tescos’.

        • Shoestring says:

          my kids (urgh!): I’m going Tesco, I’m going town after school

        • Mr(s) Entitled says:

          Sweet Jesus. Is that for real?

          As the comment was directed to Spurs Deb any sweeping comments about her that you can enlighten us on based off her language?

          • Doug M says:

            I can tell you based on her name she is a woman of discerning taste and intellect when it comes to choosing a football team 🙂

          • BJ says:

            An acquired taste you mean?

          • Spurs Debs says:

            @Doug M and BJ

            Many people would say I’m an acquired taste 🤣

            Supporting Spurs teaches you all about managing your expectations and disappointment. Both skills you need in life.

          • Lady London says:

            Could be worse. You could support West Ham.

        • mutley says:

          You stopped being a working class northerner the moment you left Oakwood!!

          • Rob says:

            Very possibly 🙂

          • mutley says:

            Having said that, works both ways, 2nd son is now a paid up northerner having spent the last three years of a four year masters at Sheffield, he loves it up there.

        • RussellH says:

          Yes, I hear ‘I’m going to Tescos’ all the time. Or even ‘gan Tesco’s’ Not Asda’s though. Surprising really, since Asda is much bigger and busier than Tesco here.
          And of course, it IS Sainsbury’s, NOT Sainsbury or Sainsburys.

          What you really need to be aware of round here is “Gan yam.”

        • Anna says:

          “I’m going to th’ASDA” is still common round here!

      • Spurs Debs says:

        Get a life Scott or in good old Bucks language FO
        Has your post added something of value to the article no, mine did. All yours has done is show you up to be an arrogant twat.

        • Scott says:

          OK, I’ll F off in a bit…but would you say you were going shopping at Asda’s ? Or flying with Virgin’s? Or exchanging currency at Bank of Scotland’s? I’m going to bet you wouldn’t, so why the inconsistency with Tesco’s ?

          As to Rob’s comment about never having met a working class Northener – class/region offers absolutely no explanation for the points raised (my background is more working class than 99% of folk on here.)

          • BJ says:

            Hope you’re not the Tory son of good Socialist stock Scott? If not then stick around, the rest we can forgive.

          • Spurs Debs says:

            I also say “ me foot is hurting or me back half hurts “
            Instead of my, I know just shoot me for my crime of bad grammar. My point still stands your post added nothing of value to the subject, you just want to try and belittle me. Well you crack on if you have nothing else in your life but to spend your time correcting people’s grammar I feel sorry for you. On plus side with the invention of internet at least you and your hobby will never run out of people to feel superior too.

      • Travel Strong says:

        “I’m off to ASDA’s” said everyone, in south wales, always.

      • Doug M says:

        Scott, as you’re the grammar police, don’t you think might have should in fact have been ‘may have’ anyway. Might have implies there is still a decision, given Deb’s has made her decision I believe it’s may have. In many ways correcting this sort of thing is as tedious as my own post, we all type at speed on different devices, there is no correction or comeback, once you click that’s it.
        Correcting Rob is fair game, he posts the site content and should be held to a higher standard than the comments 🙂

        • Peter K says:

          I hear Asda’s all the time, and Tesco’s. On the other hand I also hear “I’m off to Sainsbury”.

  • LewisB says:

    Had a free two months of Clubcard plus in the mail yesterday. Check your spam! It’s worth a free trail for sure. Cancel anytime.

    • Colin MacKinnon says:

      99p for Pataks Aubergine pickle! That’s me bought a case! Thanks.

    • LewisB says:

      That’s fair enough. They have a big extra store next to my work and next to my home so Tesco works nicely for me. Usually get decent coupons too.

    • Lady London says:

      Geeta’s mango chutney half price? I’ll get my coat.

  • Tracey says:

    Hey, shame about all the negative feed back.
    I have Tesco Clubcard Plus and I think it worth it. I pay £95.88 per year and get £200 of my shopping plus Double data on my Mobiles which saves me £240 a year plus £48 off Mobile bill per year Family perks for having more than one mobile. That’s £392.12 in my pocket.
    I also love Shopping at Tesco’s.

    • Mike says:

      That’s a very specific type of person though that uses Tesco in the right way (big shops), and has Tesco mobile. It’s great that you get the benefits and you’re the type of person that should definitely be signed up to this, but for most people it means either changing their shopping habits, changing their supermarket or changing their mobile provider, and given the context of this site for earning points, it really is not an attractive offering. Kudos to you though for identifying it as a good fit for you and grabbing the benefits.

    • John says:

      It’s only £392 if the Tesco mobile perks can’t be found elsewhere for cheaper, and the £200 discount is a real discount on things that you would actually buy.

      If Tesco is your most convenient supermarket that is fine, but they may be 5-10% more expensive than elsewhere.

    • MD says:

      Do you by any chance work for Tesco? 🤔

      • Rob says:

        Plenty of people still doing £150 shops at a Tesco Extra every fortnight.

        • Lady London says:

          Yes but those are the people who so far have used their Tesco points for money off their shopping. They are not into the effort and tenacity required for our hobby as they’re not interested.

          I think the card is mistargeted – or very well targeted to those who are already loyal to Tesco and not in our hobby.

          There are plenty of Tesco customers who still do the traditional shop. They would really hoover up £40 discount per month on their shopping for a cost of £8. Other benefits would pass them by except maybe the mobile phone one. This type of customer probably hasn’t got the many better deals in the market – they’ve gone for Tesco instead.

          Tesco may even be pleased to hear those with our hobby aren’t interested.

          • Ken says:

            But why would you not be interested in Tesco? Every pound I spend in Tesco earns me 3.9 Avios points. Is there any other supermarket that can beat that?

          • Shoestring says:

            of course, those of us buying more in Aldi/ Lidl are smashing the price/ quality offering you can get in Tesco – no loyalty scheme but for buyers of fresh food, staples and all the regular prepackaged ready meals/ frozen stuff, we’re beating Tesco hands down (money saved for equivalent items) on every shop

            may not look much to some, but this means massive shake up of the UK supermarket scene with more to come, won’t be long before Aldi/ Lidl combined share is targeting 30%

      • TimTam says:


    • Liz says:

      I am the same as Tracey. We’ve shopped in Tesco since late 1980’s. I now do all my in laws food shopping so my bill is higher each month. Now switched this to 2 big monthly shops and get some fresh stuff in between. We have 3 tesco mobiles in our family account and i take the extra CC pts as the perks. One nominated card now gets double data and double points so it works for us too. The first month the app didn’t work and we got a manual refund of £20. We were then able to still do the 2 big shops in Dec so got about £60 back less the £7.99 fee in the first month. It works for us. Got £76 of vouchers coming this month. Sainburys stopped sending us MOC and my MIL doesn’t receive them from Tesco anymore either.

  • Ken says:

    I signed up to the Clubcard Plus when it launched in November. I’ll probably cancel it soon as it’s not that good. In the few months I’ve used it I think I’m about £1.20 ahead of the fees I’ve paid. The reason is that so many items in store do not qualify for the 10% discount. If you spend £60 you might expect £6 discount but it’s more likely to be £4.50 because things like “home ware” and many others don’t count. So, buy a mop, a set of dishes etc, etc and you won’t get the 10% discount on them unless they are part of the more expensive range of say Fox & Ivy. Ultimately, it’s not worth it unless you regularly spend a very large amount at least twice a month.

    • Simon says:

      I’ve been making it work by waiting until I’m running low on lots of stuff, taking out the subscription, doing the 2 big shops, then cancelling the subscription until ot suits me to take it out again.

  • Lee CB says:

    Hmm, was reluctant to commit to £7.99 monthly fee but as OH spends >£100 a week at our local Tesco in store this will work for us

    • mutley says:

      It’s interesting how people are swayed or not by loyalty cards/points. I think in general the general populace like a bargain irrespective of points on offer. I’m not sure how much impact new Tesco card will have on consumer behaviour.

      I have kept a spreadsheet of expenditure over the last 7/8 years (terribly anal I know). Seven years ago we spent approx. £250 a month in Sainsburys, £180 in Tesco, £250 in Costco and £60 each in Waitrose and M&S.

      Roll on to 2019, £50 monthly in Sainsburys and Tesco, £125 in Aldi, £50 in Lidl, Asda £65 Coop £55 Costco £275. Waitrose £60, We used to collect Nectar and Tesco Clubcard, but no more, now we use Amex for more or less all of it.

      • David says:

        Well done on that list. One berometer if you can call it that, is the amount of items under £1 in Aldi/Lidl and the amount of items of that same price in Tesco. Difference to me in incredibly noticeable.

  • Richard G says:

    This works for me, and to be honest, even though the points rate isn’t great, I’d be happy to once again have a card I can use abroad and get points.

    I tend to average about £150 a month in Tesco over two shops, so that definitely covers me for the base price.

    • TGLoyalty says:

      Curve backed with an IHG premium will serve the same purpose.

      I know a lot of weight is put on Avios around these parts but flight deals are abundant hotel points can be a god send when you need to be somewhere there’s an event etc

      • Alan says:

        Agree, I’m much more into collecting hotel rather than airline points now.

  • Dr Doo says:

    Seems like a duff deal to be honest much better with the IHG premium card.

    You can get 4% off if you are able to get a employee perk programme and the double data is not really worth anything if you choose the correct package in the first place.

    • Aston100 says:

      An employee perk programme?

      • Peter K says:

        Some places of employment allow you to buy gift cards at a discount. Eg Tesco might 4% off, Halfords 8% off etc.

        • David says:

          I have this very perk from work but I have found my trolley half full and at the till it’s £40 odd. A trolley full as well as with the same items in Tesco is £40 odd in Aldi/Lidl.

          4% off of no use to me.

        • Lady London says:

          Thinks like nextjump. I forget the names of the others. Wouldnt mind hacking a few.

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