Foundation Credit Card

Our credit card to help you build your credit score

Foundation Card

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

  • Monthly repayments from just £25
  • Starting credit limits between £200 - £1,500
  • Regular optional credit limit increases if you manage your account well Learn more
  • See changes in your credit score with monthly credit updates in your Tesco Bank CreditView, provided by TransUnion Learn more
  • Collect Tesco Clubcard points almost everywhere you use your card Terms apply

Representative example

  • Representative rate27.5%APR (variable)
  • Interest rate on purchases27.5% p.a. (variable)
  • Assumed credit limit£1,200

What is APR?

Why choose our Foundation Credit Card?

  • Flexible monthly repayments from £25
  • Easily track your spending with our Mobile Banking App
  • Set up text and email alerts to help avoid missing repayments
  • Collect Tesco Clubcard points almost everywhere you use your cardTerms apply
  • Three years unlimited access to your credit report and score. CreditView

Tools and tips to help you build your credit score

We’ve teamed up with TransUnion to bring our Foundation Credit Card customers a free, exclusive service - Tesco Bank CreditView.

From opening a Foundation Credit Card, you'll get three years' unlimited access to:

  • Your Credit Report and score from TransUnion
  • Score Factors – a useful breakdown of the biggest influences on your overall credit score to help you understand things to change and things you're doing well
  • Credit Alerts – email updates on any significant changes to your credit report each month
  • Tesco Bank CreditView report - refreshed every 28 days with any new information passed on from other lenders, local authority, and courts (which Tesco Bank CreditView receive every 4-6 weeks)Learn more
CreditView Dashboard Image

Helping you to rebuild your credit rating

We’ve designed our Foundation Credit Card for people with no credit history, or those who want to build their credit score. As long as you earn over £5,000 per year and can afford to repay at least £25 a month, this could be the card for you.

Your application is more likely to be successful if you haven't received any County Court Judgments (CCJs) in the past 18 months and haven't had an account closed in the past year due to missed repayments.

Fast and secure payments

  • Pay with contactless - make spending simple for purchases up to £45Using Contactless
  • Collect Clubcard points & pay up to £250 at Tesco with your phoneFind out more
  • Available to Tesco Bank credit card holders on compatible Apple devicesFind out more


Make sure you are eligible

Please check that these statements apply to you

  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold a Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Foundation Credit Card in the last month


Get your paperwork ready

These are things you'll be asked about during your application

Your address history in the past three years
Details of your annual income and your monthly take home pay
Bank account number and sort code


Thing you should know

Key product information

Some things to remember

Our credit facilities are available to over 18s and UK residents only, subject to status

Before applying, you should review the Summary Box for this product:

Tesco Bank Credit Cards are provided by: Tesco Bank, PO Box 27028, Glasgow, G2 9FT

What is APR?

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.

Credit limit increases

You will be considered for regular credit limit increases if you stay within your credit limit, make your minimum payments on time and manage your account well. To be considered you will also need to manage any other credit products you have, such as loans and other credit cards well.

Collecting Tesco Clubcard points

How to collect Tesco Clubcard points with your Tesco Bank Clubcard Credit Card

It's simple: use your Clubcard Credit Card wherever you see the Mastercard logo. You'll collect Clubcard points on almost everything you buy.

  • You collect 1 Clubcard point for every £4 spent (£4 minimum) in Tesco and 1 Clubcard point for every £8 spent (£8 minimum) outside Tesco in each purchase transaction
  • There are some products at Tesco you can't collect Clubcard points on. Find out more about collecting Clubcard points at the Tesco Clubcard website. Clubcard points can’t be collected on Tesco Travel Money purchases
  • Clubcard points collection rates are subject to change
  • You must have available credit
  • 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.

Tesco Bank CreditView

Tesco Bank CreditView is provided by TransUnion

  • If you apply and are accepted for a Foundation Credit Card, we'll send you a welcome email which will include a personal link to sign up to Tesco Bank CreditView
  • As part of the sign-up process you will be required to pass TransUnion's identity validation checks before accessing your Tesco Bank CreditView account
  • It's worth knowing that only the primary credit card holder will have access to Tesco Bank CreditView


You're ready to apply

You'll get a decision in under 10 minutes.