
Credit building cards
Designed to help you build or improve your credit score.
What is a credit builder credit card?
If you have a poor credit score or no credit history, it can make it difficult to find affordable ways to borrow money or even get a mortgage. Managing a credit building credit card well could be a good way to improve your credit score. Doing things like staying within your credit limit and making your monthly repayments on time are likely to help.
Rewards with Tesco Bank credit cards
With our credit builder credit card you can collect Clubcard points almost everywhere you spend with your card, plus your usual points in Tesco. For more information see Credit Card Rewards
We’ve also made it simple for you to manage your money on the go with our Mobile Banking App and Online Banking.
Need more help? You could visit our credit card jargon buster or even ask a question in the Tesco Bank Community.
Foundation Credit Card
Our credit card to help you build your credit score
- Starting credit limits between £250 - £1,500 and monthly repayments from £25
- Get access to Tesco Bank CreditView, provided by TransUnion, for 3 years from account opening, and track your credit score with monthly updates
- Collect Clubcard points almost every time you shop
- You may be considered for regular optional credit limit increases if you manage your account well

Representative example
Your APR and credit limit may vary depending on your circumstances.
Need help?
Find out more about the different types of credit card we offer and how they work.
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
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
Tesco Bank Credit Cards are available to UK residents aged 18 and over. Subject to status.