Tesco Purchases Credit Card: How Many Extra Clubcard Points Can You Earn?

Tesco Purchases Credit Card: How Many Extra Clubcard Points Can You Earn?

A decent credit card for Tesco shopping, if you take advantage of Clubcard Boost to increase your rewards but poor returns on out-of-store shopping

Good for

  • Paying no interest on purchases for up to 28 months
  • Earning extra Tesco Clubcard points for Tesco shopping

Bad for

  • Those wanting to earn good rewards on their other (non-Tesco) spending

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

The no-fee Tesco Purchases Credit Card does offer one of the longest 0% interest periods on purchases, for those needing some time to pay off their spending without incurring interest charges. If you're looking to this card for rewards, however, this credit card isn’t all that that valuable, even for Tesco customers on their Tesco shopping. The card adds rewards of only 0.25% on Tesco spend to the underlying rewards already earned with a Tesco Clubcard membership. Out-of-store rewards are poor. If you just want to earn a few more Clubcard points and enjoy maximizing rewards through Clubcard Boost, this may be a good card for you; otherwise you can find higher rewards elsewhere.

Tesco Purchases Credit Card Review

The Tesco Purchases Credit Card offers up to 29 months of 0% interest on purchases, providing time to spread out the cost of new purchases. The Tesco Purchases Credit Card rewards its users with additional Tesco Clubcard points, as does the paid Tesco Premium card.

Looking only at the additional Clubcard points you’ll earn by using this credit card, you'll earn approximately 0.25% on your Tesco groceries, 0.25% on Tesco fuel, and 0.125% everywhere else. (For our analysis we ignore the Tesco Clubcard points you’d normally earn for shopping at Tesco as part of the loyalty program.)

Without this purchases credit card, as part of basic Clubcard membership, shoppers already earn 1% on their Tesco shopping and 0.5% on Tesco Fuel. Paying for shopping using the Tesco Purchases Credit Card earns shoppers additional Clubcard points, increasing overall reward rates to 1.25% and 0.75%, respectively.

Clubcard Membership Loyalty RewardsTesco Purchases Credit Card RewardsTotal Rewards
Tesco Groceries1%+0.25%=1.25%
Tesco Fuel0.5%+0.25%=0.75%
Other General Spending0%+0.125%=0.125%

Those who don’t mind actively managing their rewards program can eek out extra returns through Clubcard Boost. Clubcard Boost lets you redeem your Tesco vouchers for up to 4x their value at Tesco’s retail partners, which include Pizza Express and Odeon.

The Tesco Purchases credit card offers a 0% interest rate on purchases up to 29 months (you may get 23 or 17 months, depending on your circumstances). As long as you make your minimum payments in full, on time, you can benefit from 0% on purchases whilst still earning Tesco Clubcard points.

Bottom Line: The Tesco Purchases Credit Card is free, offers a 29-month no-interest purchases period and rewards users with some additional rewards on their Tesco shopping.

Tesco Purchases Credit Card Benefits & Features

Tesco Purchases Credit Card Features
Earning Clubcard Rewards
  • Earn 1 extra Clubcard point for every £4 spent (£4 minimum) at Tesco
  • Earn 1 extra Clubcard point for every £8 spent (£8 minimum) outside Tesco
0% on Balance TransfersFor 3 months, subject to 2.9% fee
0% on PurchasesFor 29 months (or 23 or 17, depending on circumstances)
Annual Fee£0
APR (variable)18.9% on purchases

How do Tesco Clubcard Points Work?

Rewards on Tesco credit cards come in the form of Clubcard points. When you use your Tesco Purchases Credit Card, you’ll earn an additional 1 Clubcard point for every £4 spent (£4 minimum) at Tesco and 1 Clubcard point for every £8 spent (£8 minimum) elsewhere. Clubcard points are turned into vouchers with the value of 100 points = £1 of vouchers, and are sent to you every three months.

These vouchers can be used at Tesco (in-store, on-line, or at the pump) or can be used at a number of Tesco Clubcard Partners. Redeemed with these partners, your vouchers may be "boosted" by up to 4x their value. For instance, using Clubcard Boost, a £2.50 Tesco voucher may be worth £10 off at Pizza Express. Other partners include Odeon, Cineworld, Goldsmiths, Red Letter Days, Figleaves, Spafinder, Good Housekeeping Magazine and Elle Magazine.

You need to collect 150 points in any three-month collection period to receive a voucher. If you have fewer than 150 points, they will be carried over into the next collection period. The Tesco Purchases credit card doesn’t allow you to collect points on all purchases at Tesco. There are some exceptions, including the following:

Categories That Do NOT Earn Tesco Clubcard Points
TobaccoLotteryStamps
Prescription medicinesTesco gift cardsInfant formula milk

Tesco limits the number of points you can earn per 3-month collection period to 30,000, but this won’t affect most people. Given this card’s rewards rate of 0.25 point per £1 spent at Tesco, plus your usual Clubcard earnings of 1 point per £1 spent at Tesco, you’d have to spend a whopping £8,000 a month at Tesco to hit this cap. (£8,000 spent a month * 1.25 points/£1 spent = 10,000 points a month to hit the cap.)

How Does the Tesco Purchases Credit Card Compare to Other Credit Cards?

To better understand the value of the Tesco Purchases credit card you need to compare it to other available options. We’ve compared this card to other rewards cards so you can see which is better suited to your shopping habits.

Tesco Purchases Card vs Tesco Premium Card

The Tesco Premium Credit Card offers a higher rewards rate on Tesco shopping, but it comes at a steep price in the form of a £150 per year annual fee. This is one of the higher annual fees on the market. The Premium card’s annual bonus of 5,000 points (worth £50 in Tesco vouchers) earned by spending £5,000 a year does partially offset the annual fee. However, this card will only make financial sense for consumers who spend north of £1,100 a month at Tesco.

Quick Takeaway: If you're deciding between the Tesco Purchases card and the Tesco Premium card, it mostly comes down to price[symol:m-dash]do you spend enough (£1,100 a month) to justify the Premium card's high annual fee? The average UK consumer, who spends around £325 a month on their grocery shopping, would be much better off with the free purchases card. The exception to this analysis is if you will use the worldwide family travel insurance offered on the Premium card. It depends how much you value this feature.

Tesco Purchases Card vs Asda Cashback Card

The Asda Cashback Credit Card earns solid rewards on Asda grocery and fuel spending, but low 0.2% rewards on non-Asda spending aren't very rewarding for your general spending.

Quick Takeaway: The Asda Cashback card offers higher rewards. In fact, unless you make great use of the Clubcard Boost program to increase the value of your Clubcard points, you’d actually be better off paying for Tesco shopping with the Asda Cashback card. There is one circumstance in which the Tesco card clearly comes out ahead: if a cardholder won't be able to pay off their new purchases right away. The Tesco card won't charge any interest on purchases for up to 28 months.

Tesco Purchases Card vs Sainsbury's Purchase Card

The Sainsbury’s Purchase Credit Card pays some of the best rewards for in-store grocery shopping, making it an obvious choice for those loyal to Sainsbury's. The rewards on all other purchases are weak, however, making it also a poor choice for your general spending. The Sainsbury's card also offers 29 months of 0% interest on new purchases, useful if you can't pay off your purchases right away.

Quick Takeway: If you are open to shopping at different grocery chains, then the Sainsbury's card offers a higher return on in-store shopping. If, however, you are a loyal Tesco shopper and you enjoy maximizing your Clubcard points, then you may still prefer the Tesco card. Both cards offer very similar 0% interest periods on purchases.

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.