Last week we ran a long article about Tesco Bank’s new Clubcard Pay+ card.
This is a prepaid debit card – which you load via bank transfer from an app – earning 1 Clubcard point for every £8 you spend on it.
It is not hugely exciting for the majority, as it is only useful if you spend money at places where debit cards are accepted, but not credit cards. What you could do, however, was pay HMRC with it. This gets you a small return on your tax payments.
It looks Tesco Bank was a bit taken aback by the huge number of applications following our article. We tracked over 1,000 clicks to the website.
Yesterday morning I heard the first story of payments to HMRC with Pay+ failing.
Later, another reader got in touch to say that he had called Tesco Bank, to be told that it is no longer being accepted by HMRC. Tesco Bank helpfully let him transfer his pre-loaded funds back into his current account.
Two examples is still a small sample. To be honest, I would have expected more reader emails if Tesco Bank really had pulled the plug. However, there is also one report of problems in the Pay+ thread in our forums.
It is not 100% certain that this route to paying your tax has been closed (the first failure could have been due to the size of the transfer and the second due to a badly trained phone agent). That said, if you were thinking of applying I would hold back until we get more data.
EDIT: the comments below are split between people struggling and those for whom it is working fine. A reader emailed to say he paid £25,000 yesterday with no issues and another has paid £95,000 this week. All very odd. It may be that you need to wait a couple of days after transferring money in before trying to spend it, or that you should build up via some smaller transactions.
You can learn more about Clubcard Pay+ on its website here.
Want to earn more points from credit cards? – February 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:
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.
Virgin Money is offering double points on spending until 14th April (£5,000 cap) to new customers when you apply for the Virgin Atlantic Reward+ Mastercard. Click here to learn more.
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
Crazy 120,000 points bonus (to 9th April) and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
Huge 60,000 points sign-up bonus (until 9th April) 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.