Tesco Balance Transfer Credit Card, 22 Months 0% and Smart Ways to Maximise Clubcard Points
Turn 22 months 0% on the Tesco Balance Transfer credit card into extra Clubcard points and real savings for UK shoppers
Why the Tesco Balance Transfer credit card is worth a look
The Tesco Balance Transfer credit card gives UK shoppers a clear route to cut interest costs with an introductory 22 months 0% on balance transfers and 9 months 0% on money transfers. For anyone carrying existing card debt, that 22 months 0% window can be a practical way to pay balances down without racking up more interest.
Beyond the interest-free period, this Tesco Balance Transfer credit card earns Tesco Clubcard points on everyday spending, turning routine shops into rewards. Combining a long 0% term with Clubcard points makes this product attractive for households wanting to maximise value while tackling debt.
How to make the most of Clubcard points and offers
Use the Tesco Balance Transfer credit card for your Tesco shop and everyday purchases to build Clubcard points quickly: 5 points for every £4 spent in Tesco and 1 point per £8 elsewhere. These points can be boosted during Tesco promotions and converted into vouchers for groceries, petrol or days out, so timing your bigger buys around double points events pays off.
Pair points-earning with automatic payments from the Tesco Bank app to avoid late fees and protect your 22 months 0% benefit. Smart use of points plus disciplined repayment turns the Tesco Balance Transfer credit card from a simple financing tool into a small cashback engine for regular UK families.
Fees, APR and what to watch for
The representative APR sits at 22.9% variable once the interest-free periods end, and there are transfer fees to factor in: 2.75% on balance transfers and 3.99% on money transfers. Those fees can still leave you better off than paying high interest elsewhere, but always calculate the total cost before moving balances.
Keep an eye on exclusions and eligibility rules; transfers from other Tesco Bank credit cards aren’t allowed and full promotional terms depend on your credit profile. Use the Tesco Bank app and statements to track how much of your monthly payment reduces the transferred balance to fully benefit from the 22 months 0% term.
Is it right for you — quick checklist and next steps
If you want to clear debt without interest while also collecting Tesco Clubcard points, the Tesco Balance Transfer credit card is a strong contender. Check your planned repayment timeline, add transfer fees into your maths, and compare with rivals like Capital One or MBNA to ensure this card suits your goals.
Ready to act? Use a soft-search comparison tool to see likely acceptance without harming your credit score, then apply online through Tesco Bank when you’re confident. The right setup — disciplined payments, Clubcard maximisation and fee-aware planning — turns the Tesco Balance Transfer credit card into a genuine money-saving tool for UK shoppers.