Foundation Credit Card

Our credit card to help you build your credit score

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.

Starting credit limits between £200 - £1,500
Monthly repayments from just £25
Regular optional credit limit increases if you manage your account well. Learn more
Track your credit score with monthly credit updates in your Tesco Bank CreditView, provided by TransUnion
Collect Tesco Clubcard points almost everywhere you use your card, plus your usual points in Tesco. See terms below
Track your spending with our easy to use Mobile Banking App and Online Banking services

Representative example

Representative 27.5% APR (variable)

Interest rate on purchases 27.5% p.a. (variable)

Assumed credit limit £1200

Your credit limit, APR and introductory offer period may vary subject to your individual circumstances.

Collect Tesco Clubcard points

Clubcard points when you spend £4 in Tesco

Clubcard points when you spend £4 on Tesco fuel (excluding Esso)

Clubcard point when you spend £8 outside Tesco

Your Credit Card is also your Clubcard, so when you spend on it you'll collect your usual Clubcard points and some extra ones on top.

Using our Credit Card, for every £4 spent in Tesco you’ll collect 5 Clubcard points. That’s 1 Clubcard point for every £4 you spend, plus your normal Clubcard points (1 Clubcard point for every £1 spent) in each purchase transaction. Plus you’ll also collect 1 Clubcard point for every £8 spent outside Tesco in each purchase transaction.

With a Tesco Bank Credit Card, spending £4 filling up at Tesco (excluding Esso fuel) gets you 5 Clubcard points – 1 Clubcard point for every £4 you spend, plus your normal Clubcard points at an enhanced rate of 1 Clubcard point per £1 spent (usually 1 Clubcard point for each £2 spent) in each purchase transaction.

Clubcard points collection rates are subject to change and you must have available credit. Exclusions on collecting Clubcard points apply, expand below to read more.

Turning Clubcard points into Clubcard voucher and exclusions

Clubcard vouchers

Every 3 months your Clubcard points are turned into Clubcard vouchers. Or you can choose to get them quicker with Faster Vouchers. Use your Clubcard vouchers for money off your Tesco shop, or get up to 3x the value with Clubcard Reward Partners - choose from days out, travel, restaurants and more.

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.

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.

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

Sound like the right card for you?

We need you to read this important info

Here's what you need to know

Key product information

Before applying make sure you’ve read the summary box:

Tesco Bank Foundation Card Summary Box (90KB, pdf)

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

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 as well.

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.

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'll need these three things to apply:

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

Before you apply we need to check that you can say 'yes' to all of these questions:

Do you have an annual income of at least £5,000?
Are you at least 18 years of age?
Can you afford to pay back at least £25 per month?
Do you live in the UK or have a British Force Post Office address?
Can you confirm you don't currently hold any Tesco Bank Credit Cards?
Can you confirm you haven't applied for a Tesco Bank Foundation Credit Card in the last month?
Will you only be using this card for personal (not business) transactions?
Are you a UK resident and only have tax residency in the UK?

Error: To apply for this card you must confirm that the above statements are true

I confirm that I can say 'yes' to all of the above

Not the right card for you?

See our other cards and try out our credit card selector to help find a card that suits you