Foundation Credit Card

Helping you to improve and rebuild your credit rating

Foundation Card

If you're looking to rebuild or improve your credit rating following a history of impaired or bad credit, then our Foundation Credit Card could help you get back on track.

  • Starting credit limits between £250 - £1,500
  • Regular optional credit limit increases if you manage your account well Learn more
  • Manageable monthly repayments from £25

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 and manageable monthly repayments from £25
  • Our mobile app helps you keep on top of your spending, on the move
  • Set up text and email alerts to help avoid missing repayments
  • Collect Tesco Clubcard points almost everywhere you use your cardTerms apply

Helping you to rebuild your credit rating

If you're yet to build your credit rating or it's not as good as you would like, then you might want to consider our Foundation Credit Card. 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.

You're more likely to be accepted 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. We do offer a range of credit cards so make sure the Foundation Card is the right one for you.

Fast and secure payments

  • Pay with contactless - make spending simple for purchases up to £30Using 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

Looking for something else?

Important information

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.

Contact us

Our UK teams are here for you 24 hours a day, seven days a week.