tesco cc or/and halifax clarity?
Options
crazydad
Posts: 52 Forumite
hi
sorry if the answer is a bit obvious but i'm afraid it's not to me so i need your advice :embarasse. i am planning a trip abroad so i applied for the clarity card then had the idea to get the tesco cc for day to day use here to build up my clubcard points. i know that tesco charges to use the card abroad (2.75%) but would i not be better off paying this charge and getting the clubcard points rather than using the halifax card where there is no charges?
again, sorry if it's a bit of a thick question!!
thanks
sorry if the answer is a bit obvious but i'm afraid it's not to me so i need your advice :embarasse. i am planning a trip abroad so i applied for the clarity card then had the idea to get the tesco cc for day to day use here to build up my clubcard points. i know that tesco charges to use the card abroad (2.75%) but would i not be better off paying this charge and getting the clubcard points rather than using the halifax card where there is no charges?
again, sorry if it's a bit of a thick question!!
thanks
0
Comments

I am sure someone from the MSE forum can give you exact details, but I would doubt that the value of the clubcard points would outweigh the charges to use the Tesco card. My personal preferance would be to use a card abroad that doesn't charge additional fees, then perhaps think about a reward type card like Tesco for home use (depending on whether you could get an addtional card with your credit rating). Ensuring both are ALWAYS paid off in full of course.Feb 2015 NSD Challenge 8/12JAN NSD 11/16
0 
Are you going to get £2.75 worth of vouchers for every £100 spent, well I don't think so, the answer to your question is quite simple....0


where?!?! all i got was a rhetorical question, a thought and then an answer that faded away into a few punctuation marks........
thanks anyway, i think i got the answer :beer:0 
Are you going to get £2.75 worth of vouchers for every £100 spent, well I don't think so, the answer to your question is quite simple....
If the points are exchanged for 4x vouchers under their 'deals' promotion then that's a 4% return straight away.
Add in the fact that the Tesco card comes with 13 months 0% which means there's some savings interest to be earned (2%+ net of savings interest tax?) by slowstoozing the holiday and any other spend, and it's not as clear cut as you state.0 
YorkshireBoy wrote: »I'm not so sure.
If the points are exchanged for 4x vouchers under their 'deals' promotion then that's a 4% return straight away.
Add in the fact that the Tesco card comes with 13 months 0% which means there's some savings interest to be earned (2%+ net of savings interest tax?) by slowstoozing the holiday and any other spend, and it's not as clear cut as you state.
Those Clubcard deals, while good, are rarely worth the 4 x value they claim to give. You can usually get bogof offers elsewhere if you don't use the Clubcard deals (e.g. Alton Towers) so the true value is typically 2 x and not 4 x .
Balancing it all out, it's a tough call for the OP.0 
opinions4u wrote: »Those Clubcard deals, while good, are rarely worth the 4 x value they claim to give.0
This discussion has been closed.
Categories
 All Categories
 343.7K Banking & Borrowing
 250.2K Reduce Debt & Boost Income
 449.9K Spending & Discounts
 235.8K Work, Benefits & Business
 608.8K Mortgages, Homes & Bills
 173.3K Life & Family
 248.4K Travel & Transport
 1.5M Hobbies & Leisure
 15.9K Discuss & Feedback
 15.1K Coronavirus Support Boards