Credit building credit cards
If you’re new to credit or have a bad credit history, here's a way you could improve your credit score.
You can use a credit building credit card to help you work on your credit rating by managing your account well over time. With access to Tesco Bank CreditView you get monthly updates on your credit score, making it simple to track your progress.
Our Foundation Credit Card
Our credit card to help you build your credit score
- Starting credit limits between £200 - £1,500
- Monthly repayments from just £25
- Your credit limit will be regularly reviewed
- Access to your credit report for three years with Tesco Bank CreditView provided by TransUnion
- Collect Tesco Clubcard points almost everywhere you use your card, plus your usual points in Tesco. Terms apply
- Applying online is easy and takes 10 minutes.
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Representative example
Your credit limit and APR may vary depending on your circumstances and applications are subject to status.
Can't see the right card for you? There's more to choose from. Check out our full range of credit cards.
Clubcard points are turned into Clubcard vouchers, see how many more you can get just by using a Tesco Bank Credit Card
How much do you spend a month?
Using a Tesco Bank Credit Card, every three months you could get:
In Clubcard vouchers
You can use this in Tesco to save money in store, online and at the pump.
That’s £ more than using your Clubcard alone, just for spending on your Tesco Bank Credit Card.
Up to
If you chose to spend with Tesco Clubcard Reward Partners
You can get up to 3X the value of your vouchers to spend with Reward Partners.
Helpful information about credit cards
What is a credit card for bad credit?
These are credit cards that you're more likely to be accepted for if you have a low credit score. You can use one to help build a better credit score by making your payments on time and keeping your balance below your credit limit.
What is a bad credit score?
Your credit score is a number that gives you an idea of how lenders view your credit history. If you're new to credit or haven't managed credit well in the past, your score is likely to be low. If you have a low, or a bad credit score, you may find it harder to get the best deals on credit cards, loans and mortgages.
Other customers have been asking
Contact us, we’re here to help
Our UK teams are here for you 24 hours a day, seven days a week.
We accept online Credit Card applications, applying is easy and takes around 10 minutes. Check your eligibility here
Collect Tesco Clubcard points
Your Credit Card is also your Clubcard, so when you spend on it you'll collect your usual Clubcard points and some extra ones on top.
Using our Credit Card, for every £4 spent in Tesco you’ll collect 5 Clubcard points. That’s 1 Clubcard point for every £4 you spend, plus your normal Clubcard points (1 Clubcard point for every £1 spent) in each purchase transaction. Plus you’ll also collect 1 Clubcard point for every £8 spent outside Tesco in each purchase transaction.
With a Tesco Bank Credit Card spending £4 filling up at Tesco (excluding Esso fuel) gets you 5 Clubcard points – 1 Clubcard point for every £4 you spend, plus your normal Clubcard points at an enhanced rate of 1 Clubcard point per £1 spent (usually 1 Clubcard point for each £2 spent) in each purchase transaction.
Clubcard points collection rates are subject to change and you must have available credit. Exclusions on collecting Clubcard points apply, expand below to read more.
Tesco Bank Credit Cards are provided by: Tesco Bank, PO Box 344 Newcastle Upon Tyne, NE12 2GF