Tesco Credit Card Calculator

Card Details & Tesco Clubcard Points Calculator
5x/£4 Tesco
5x/£4 Tesco Fuel
1x/£8 Everything Else

Tesco Clubcard Points Calculator for the Tesco Credit Card. Calculate total points and card value based on your spend and compare side by side top cards.

Bonus Categories

The Tesco Credit Card features two bonus categories which are Tesco and Tesco Fuel purchases. There's no limit to the amount of bonus Tesco Clubcard Points you can earn spending with Tesco and no limit to the amount of Tesco Clubcard Points you can earn with the card overall.

  • 5x/£4 Tesco
    • Marketed as 5x/£4, but really a +1x/£4 bonus.
    • Non-cardholders would earn 4x/£4 spending in Tesco.
  • 5x/£4 Tesco Fuel
    • This excludes Esso.
    • Marketed as 5x/£4, but really a +3x/£4 bonus.
    • Non-cardholders would earn 2x/£4 (1 point per £2 spent).
  • 1x/£8 Everywhere Else

Do note that the Tesco Credit Card Calculator on this page will reflect 5x/£4 for both Tesco and Tesco Fuel. I also included the option to compare the card to just a normal Clubcard (non-credit card) so that you can see the difference in earnings.

Perks & Benefits

The Tesco Credit Card does not have any benefits specific to the card itself. The card doubles as your Tesco Clubcard.

Sign Up Bonus (SUB)

The Tesco Credit Card does not offer any sign up bonuses that net you extra points. Instead, their line-up of sign up bonuses focuses on balance transfers, 0% interest periods, low APR, and improving your credit rating.


Annual Fee

The Tesco Credit Card does not have an annual fee.

Authorized User Fee

There is no listed fee to add additional users to your Tesco Credit Card. Adding additional users can help you build your Tesco Clubcard Points faster.

Foreign Transaction Fee

The Tesco Credit Card has a foreign exchange fee of 2.75% of the transaction. I don't recommend using this card for international spending.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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