Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

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Tesco Clubcard Low APR

Will you get it?


Will you get it?



Tesco Bank - 6.05% low rate, no fee

Long-term, low-rate balance transfer card
Click here for full card info

This Tesco Bank credit card lets you balance-transfer at a low 6.05% interest rate for the life of the balance, with no fee as long as you transfer within one month. As a bonus, there's 0% interest on your transfer for the first month.

  • You must balance-transfer within the first month; transfers after this attract a 3% fee.
  • You can't transfer a balance from another Tesco credit card, or apply if you hold more than one Tesco credit card already.
  • Some poorer credit scorers accepted for the card will be charged up to 11.5% on balance transfers, which isn't such a good deal.
  • This card also has a low rate on spending, charging 5.9% rep APR – though again, you get the first month at 0%. Poorer credit scorers could be accepted for the card but charged a higher APR, up to 10.9%.
  • Always pay the monthly minimum payment or you'll get a penalty for late payment and a mark on your credit file.
  • Don't withdraw cash on this card. It isn't at the cheap rate and cash withdrawals hit your credit file.
  • Balance transfer rate & fee: 6.05%, no fee
  • Minimum payment: Greater of 1% of balance plus interest or £25
  • Min income: N/A | Card issuer: Mastercard | Time limit: One month
  • Rate: 5.9% representative APR (see Official APR Examples)
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 5.9% (variable) your Representative APR would be 5.9% (variable).

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Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

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