Points
0.75 pts/
£1
Clubcard points · ≈0.13% value
Rep. APR
37.7%
Variable
Annual fee
£95.88
£7.99 per month
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
1 extra Clubcard point per £4 at Tesco and 1 point per £8 elsewhere while Clubcard Plus is active.
Opening offer
Up to 24 months 0% on purchases.
No non-sterling transaction fee on purchases.
Clubcard points are worth roughly 1p each as a cash equivalent.
The Clubcard Plus Credit Card suits regular Tesco shoppers who travel and want fee-free spending abroad on Mastercard, which takes practically nothing off the real exchange rate. That abroad benefit is genuinely useful, but the £7.99 per month fee is a real commitment, and the earn rate of 0.75 pts/£1 is actually below the typical reward card benchmark of 0.74% in cash terms, so you are paying a monthly fee for rewards that trail the market by 0.61%. I would make sure the Tesco shopping discount that comes with Clubcard Plus itself justifies that £7.99 before treating the credit card perks as the main draw.
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