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Tesco Clubcard or Santander 123?

Hamish_Morton
Hamish_Morton Posts: 1 Newbie
in Credit cards
I've been using a Tesco Clubcard credit card for years to collect clubcard points to use on discounted days out to places like Longleat. However, would I reap more rewards by using my Santander 123 credit card instead?

Comments

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 12 May 2016 at 11:49AM
    Hamish_Morton wrote: »
    However, would I reap more rewards by using my Santander 123 credit card instead?
    How can we know?
    If your s123 monthly cashback is less than £3, it won't even cover the monthly fee.

    And do your realise that Tesco card pays you pathetic 1 point per £4 spent in Tesco, per £8 spent elsewhere and nothing if you spend, say, £7.99 elsewhere?
  • daniel86_2
    daniel86_2 Posts: 49 Forumite
    Tesco CURRENT ACCOUNT offer 3% interest on credit balance at the moment
  • daniel86_2
    daniel86_2 Posts: 49 Forumite
    sorry that's upto 3K and no fee per month
  • eskbanker
    eskbanker Posts: 39,597 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    daniel86 wrote: »
    Tesco CURRENT ACCOUNT offer 3% interest on credit balance at the moment
    True, but how would that be relevant to someone looking for info on credit cards on a board for credit card posts?
  • 20aday
    20aday Posts: 2,610 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker PPI Party Pooper
    grumbler wrote: »
    How can we know?
    If your s123 monthly cashback is less than £3, it won't even cover the monthly fee.

    And do your realise that Tesco card pays you pathetic 1 point per £4 spent in Tesco, per £8 spent elsewhere and nothing if you spend, say, £7.99 elsewhere?

    Granted OP would also earn Clubcard points per qualifying spend in addition to the 1 point per £4 (of in store spend) but at least they'd earn 7 points PLUS 1% cashback using the Santander 123 MasterCard.
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    20aday wrote: »
    Granted OP would also earn Clubcard points per qualifying spend in addition to the 1 point per £4 (of in store spend)...
    This just adds confusion as you earn 1p/£4 with a club card and don't need a CC for this.
This discussion has been closed.
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