The Tesco Bank Foundation Credit Card targets those looking to improve their credit score, especially if you have a limited or poor credit history. With a representative APR of 29.9% (variable) and credit limits ranging from £200 to £1,500, this card includes a manageable monthly repayment starting from £25. If you manage your card well, there’s a chance to receive regular increases and continue building your credit. You’ll also collect Clubcard points almost everywhere you shop, making it a practical choice for Tesco shoppers.

How to Apply: Step-by-step

• Visit the application page for the Tesco Bank Foundation Credit Card.
• Use the eligibility checker — it won’t affect your credit score.
• Fill in your personal and financial details as required.
• Submit your application and await a response, typically within minutes.

Key Advantages

This card is designed specifically for those with a weaker credit background, helping you build a positive payment record over time. You can track your progress and credit score monthly through Tesco Bank CreditView, included free for the first three years.

One of the big draws for Tesco shoppers is the ability to earn Clubcard points on your everyday spend, in-store and out, making your regular purchases more rewarding.

Considerations to Keep in Mind

The interest rate of 29.9% APR (variable) is higher than mainstream cards, which means carrying a balance could become expensive if not managed properly.

Also, the starting credit limits are relatively low, and not everyone will be approved for the maximum limit. Eligibility depends on your circumstances.

Our Verdict

For those aiming to build or repair their credit, the Tesco Bank Foundation Credit Card presents a practical, straightforward option with added rewards. As long as you keep up repayments and use the card responsibly, you can benefit both your credit profile and your Clubcard balance, making it a smart choice for regular Tesco customers or anyone rebuilding their financial reputation.