What you won't collect Clubcard points on

You'll only collect Clubcard points when you use your card to make purchases. Cash withdrawals, cash transactions, balance on money transfers, gambling transactions, buying travel money and regular payments like standing order and Direct Debits don't count. There are also some products at Tesco you can't collect points on, find out more at the Tesco Clubcard Website.

APR stands for Annual Percentage Rate. It shows you how much your borrowing will cost over the period of an average year, over the term of your debt. It also helps you compare different cards on the market. After a 0% period, the amount of interest you'll need to pay on any outstanding balances will be determined by the APR. Don't forget that the length of 0% period on your purchases and balance transfers might be different.

Foundation Credit Card

Help build your credit score and collect rewards with our credit card for bad credit

‘Best Credit Builder Credit Card 2021’ as voted for by customers at the Moneyfacts Consumer Awards

Collect Clubcard points almost every time you spend in and out of Tesco

About this card

Are you new to credit or have a bad credit rating? If you’re looking to build or improve your credit score, our Foundation Credit Card could help.

What this card gives you

Starting credit limits between £250 - £1,500 and monthly repayments from £25
You may be considered for regular credit limit increases if you make your minimum payments on time, stay within your credit limit and similarly manage any other credit cards or loans you have with us.

Track your credit score
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 everywhere you spend using your card, plus your usual points in Tesco. For more information see Credit Card Rewards.

Good to know

Our Credit Card jargon buster
From APR to variable rates, the jargon that pops up when you apply for a credit card can be pretty confusing. Learn all the terms worth knowing with our quick-fire guide - you’ll be a credit card pro in no time.

Stay on track
You're more likely to see improvements in your credit score if you pay at least your minimum payment on time each month and stay within your credit limit.

It’s simple to manage your money on the go with our Mobile Banking App and Online Banking.

Representative example

Representative 29.9% APR (variable)

Interest rate on purchases 29.9% p.a. (variable)

Assumed credit limit £1200

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

Tesco Bank Credit Cards are available to UK residents aged 18 and over. Subject to status.

Tesco Bank Credit Cards are provided by: Tesco Bank, PO Box 344 Newcastle Upon Tyne, NE12 2GF