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Foundation Credit Card

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

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

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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.
  • 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.
  • 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.
  • 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.
  • 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. 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.
  • 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.
  • 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.
  • 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.

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See the credit cards you're likely to be accepted for and protect your credit score using our eligibility checker.

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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