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

        Representative 29.9% APR (variable)
        Interest rate on purchases 29.9% p.a. (variable)
        Based on a credit limit of £1200  

        Your APR and credit limit may vary depending on your circumstances.

        Protect your credit score

        See if you are likely to be accepted and protect your credit score using our eligibility checker.

        Using a Tesco Bank Credit Card, you could collect:


        Points for every £4 spent in Tesco

        4 points with a Clubcard alone


        Points for every £4 spent on Tesco fuel (excluding Esso)

        2 points with a Clubcard alone


        Point for every £8 spent outside Tesco

        0 points with a Clubcard alone

        100 points = £1.00 in vouchers. Find out more about turning points to vouchers and collecting points.

        With your vouchers, you can:

          Save on groceries and fuel

          Use your vouchers to save in Tesco, as well as on fuel at Tesco petrol stations and at Esso sites with a Tesco Express

              Get up to 3x the value of your vouchers with Tesco Reward Partners

              Exchange your vouchers to use on days out, eating out and more with over 100 Tesco Reward Partners

                See how your Credit Card spend turns into Clubcard vouchers

                How much do you spend a month?







                Using one of our Credit Cards, you could collect:

                After 3 months

                After 1 year

                Clubcard points
                Clubcard vouchers
                Tesco Reward Partners up to up to

                After 3 months

                Clubcard points
                Clubcard vouchers
                Tesco Reward Partners up to

                After 1 year

                Clubcard points
                Clubcard vouchers
                Tesco Reward Partners up to

                That's 16500 more points each year than using your Clubcard alone, just for spending on a Tesco Bank Credit Card.

                turn in vouchers

                into to spend with Tesco Reward Partners

                *after 1 year

                Credit card FAQs

                What is a credit card for bad credit?

                Some credit cards are designed so that you're more likely to be accepted 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 bad credit score, you may find it harder to get the best deals on credit cards, loans and mortgages.

                    How do I use a credit card to build my credit score?

                    There are two ways to build your credit score. Firstly, your score will improve if you pay your bills on time and always pay at least the minimum required amount. Secondly, if you lower your credit utilisation, this will also help your score. You can do this by making sure you don’t get too close to your credit limit (e.g. a low credit utilisation might mean you only use £300 out of a possible £1,000).

                    Read our guide on improving your credit score with a credit card for more information.

                      Does having a credit card improve your credit score?

                      In the long run and with correct management of credit limits and repayments, credit cards could help you to improve your credit score.

                      Initially, your score may be lowered due to the hard credit checks and the average age of accounts when opening a new account. However, a strong payment history and improved credit mix could significantly improve your credit score.

                      Additionally, by having a credit card, you can borrow money to pay for products before paying this back later. This helps show lenders that you are responsible with money and could improve your chances of being accepted for a future loan or mortgage.

                        What is APR?

                        APR is short for Annual Percentage Rate. It tells you the cost of borrowing, as a percentage of the amount you owe, over a year.

                        You can use the APR to work out how much a credit card, loan or mortgage, or other forms of credit will cost. The APR includes the interest rate charged, along with any fees.

                          What is variable APR?

                          Most credit cards have a variable APR, and all it means is that the Annual Percentage Rate for a credit card may change over time. If the APR on your card is going to change, you’ll be notified in advance.

                            What are the charges, fees and interest on my card?

                            Most of our charges and fees relate to when you move money between accounts, withdraw cash, or pay for things abroad. You may also be charged if you go over your credit limit or miss a payment. You can check your interest rate on your monthly statements.

                            To see the complete list, read our page on charges, fees, and interest.

                              Do I get extra protection by paying with a credit card?

                              Under Section 75 of the Consumer Credit Act you could get extra protection if something goes wrong on single purchases that cost between £100 and £30,000. So if something you've paid for turns up broken or faulty, or if it doesn't arrive at all, you may be able to get your money back through a Section 75 claim.

                              Read more about your consumer rights on our page on the top credit card features.

                                Can I manage my credit card online?

                                Yes, you can manage your credit card with Online Banking or on our Mobile Banking App.

                                  Can I use my card overseas?

                                  Yes, your Tesco Bank Credit Card will work overseas.

                                  With each transaction in a foreign currency you’ll be charged a foreign exchange fee of 2.75% of the cost of your purchase.

                                  Get more information in our guide to using your credit and debit cards abroad.

                                    How do I collect Clubcard points?

                                    A Tesco Bank Credit Card is also a Clubcard, so when you spend on it in Tesco you’ll collect your normal Clubcard points (1 point for every £1 spent) plus an extra 1 point for every £4 you spend.

                                    When you buy Tesco fuel (excluding Esso) you’ll collect your normal Clubcard points at an enhanced rate of 1 point for every £1 spent (usually 1 point for every £2 spent with a Clubcard alone) and you’ll get 1 extra point for every £4 spent.

                                    When you spend outside Tesco you’ll collect 1 point for every £8 you spend.

                                    Points are calculated on single transactions and you must have available credit. Points collection rates are subject to change. Remember there are some things you won’t collect points on.

                                    The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA who are responsible for fulfilling Clubcard points.

                                      What won’t I collect Clubcard points on?

                                      You can only collect points on purchases, so cash withdrawals, cash transactions, balance or money transfers, gambling transactions, buying travel money and regular payments like standing orders and Direct Debits don’t count.

                                      There are also some products at Tesco you can’t collect points on, see the Clubcard website for details.

                                        How do I turn points into vouchers?

                                        Every 3 months your Clubcard points are turned into Clubcard vouchers. Or you can choose to get them quicker with Faster Vouchers.

                                        Your vouchers can be used to spend at Tesco, in store or on fuel (excluding Esso), or they can be exchanged to get up to 3x the value of your vouchers with Tesco Reward Partners.

                                          How does the Clubcard points calculator work?

                                          The calculator works out how many Clubcard points you could collect if you had a Tesco Bank Credit Card and used it to pay for items in and out of Tesco.

                                          Based on the amounts you enter into the calculator, we work out the number of Clubcard points you could collect and give an idea of the amount in Clubcard vouchers.

                                          Remember though, your points will be worked out on each individual transaction that you make and not on your total monthly spend. So, this means the calculator only gives an indication and the actual points you receive could vary.

                                          Don't forget that you'll need to spend a minimum amount to begin collecting Clubcard points.

                                            How does Tesco use my data?

                                            When you open a credit card account with us you’ll be automatically enrolled into the Clubcard scheme if you’re not already a member, and Tesco Bank will share information with Tesco Stores for the operation of your Clubcard account.

                                            Clubcard accounts are managed separately by Tesco Stores, and you should visit the Tesco Stores privacy notice for further information about how Tesco Stores uses your information.

                                              Discover our other types of credit cards

                                              Find out more about the different types of credit card we offer and how they work.

                                                Learn more about credit cards

                                                Comparing credit scores

                                                Learn more about credit ratings

                                                Credit scores explained

                                                How your credit score works

                                                Credit terms and jargon guide

                                                The terms we use explained

                                                Managing credit card debt

                                                5 tips to help you manage

                                                Credit card types

                                                How to find the right card for you

                                                What do credit cards offer?

                                                Credit card features explained

                                                Credit limits explained

                                                How do credit limits work

                                                Understanding credit

                                                8 common questions about credit

                                                Should I get a loan to pay off credit card debt?

                                                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.