TSB credit card review
What do TSB credit cards offer?
TSB offers a 0% balance transfer credit card, a dual 0% balance transfer and purchase card, and a low-rate deal.
The TSB Platinum Balance Transfer Card is a competitive balance transfer credit card. It offers 0% interest on balance transfers (made within the first 90 days of opening the account) for up to 24 months and comes with a 2.95% balance transfer fee. It has a representative APR of 24.9% (variable).
How does TSB compare with other providers?
TSB achieved a customer score of 62% in our latest credit card satisfaction survey, coming joint 26th out of 31 providers, along with Asda Money, British Airways and Vanquis Money.
- Find out more: visit our best credit card providers guide to read the full survey results and compare TSB's customer score with other card providers
Is TSB a good credit card provider?
Our survey also reveals how TSB customers rated the provider across these five categories:
| Customer satisfaction category | TSB star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: Star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review TSB to find out more about our research.
Your TSB credit card questions answered
Grace, our credit card expert, answers the top questions people have about TSB credit cards.
Does TSB offer an eligibility check?
TSB doesn't currently offer a soft search facility to help you work out if you qualify for its deals before you apply.
To boost your chance of success, you should check your credit report and take steps to improve your credit score before applying.
Is TSB credit Mastercard or Visa?
TSB issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.
Can you apply for a TSB credit card online?
Yes, TSB accepts applications online.
How we review TSB
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.