Tesco Credit Card questions

cakeforbrains

The clubcard credit card does have quite a useful little app for smartphones.

zerog

At Tesco self-checkouts if you insert your Tesco CC (or debit card) without scanning another clubcard first, it will ask you if you want to just use the CC as a clubcard and pay with a different card

This option has been available for nearly a year at Tesco filling stations when you pay at pump (you can also ask at the kiosk but sometimes they don't understand). So I think you can also do it at manned Tesco tills as long as they understand

Personally I would not merge a CC clubcard account with an existing clubcard account, so you can get bonus promotions more than once (of course some people open clubcard accounts for their dog and so on)

techno79

According to this site on Tesco (http://www.tescobank.com/creditcards/rewards.html) , the 1 point per £4 spent outside of Tesco is just a promotion until end of November 2015. After that it reverts to 1 point per £8 spent outside of Tesco.

Extremely annoying as I got the card on the basis that the 1 point per £4 spent outside of Tesco was an ongoing thing.

King_Of_Fools

techno79 wrote: »

According to this site on Tesco (http://www.tescobank.com/creditcards/rewards.html) , the 1 point per £4 spent outside of Tesco is just a promotion until end of November 2015. After that it reverts to 1 point per £8 spent outside of Tesco.

Extremely annoying as I got the card on the basis that the 1 point per £4 spent outside of Tesco was an ongoing thing.

It was an ongoing thing but they have changed it:
https://forums.moneysavingexpert.com/discussion/5317390

20aday

techno79 wrote: »

According to this site on Tesco (http://www.tescobank.com/creditcards/rewards.html) , the 1 point per £4 spent outside of Tesco is just a promotion until end of November 2015. After that it reverts to 1 point per £8 spent outside of Tesco.

Extremely annoying as I got the card on the basis that the 1 point per £4 spent outside of Tesco was an ongoing thing.

And it's been changed due to the EU's cap on the Interchange Fees. Sadly more and more credit cards are either going to drop their reward schemes altogether or introduce Annual Fees.

techno79

That's a shame as I just got the card. I'm now thinking the next best cashback card is the Nationwide Select one that gives a flat 0.5% cashback. I'm not keen on the Asda card that also gives 0.5% or any of the Amex ones. What do people think?

King_Of_Fools

techno79 wrote: »

That's a shame as I just got the card. I'm now thinking the next best cashback card is the Nationwide Select one that gives a flat 0.5% cashback. I'm not keen on the Asda card that also gives 0.5% or any of the Amex ones. What do people think?

I think that it would be best to wait until the dust settles over the new European rules. Long term, I doubt neither Nationwide nor Asda will continue to offer 0.5% cashback as they will only get 0.2% interchange fees but only time will tell. At the moment, if you apply for any card you are highly likely to be disappointed again within a couple of months.