Tesco | Foundation credit card

19 reviews

Representative 27.5% APR

Purchase rate: 27.5%

Representative example:

Representative Example: The standard interest rate on purchases is 27.5% p.a. (variable), so when borrowing £1,200 the Representative APR will be 27.5% (variable).

Tesco | Foundation credit card customer reviews.

19 reviews

2.2 out of 5 stars


  • Earn Clubcard points as you spend
  • Decision within a minute
  • Manage the card with the mobile app
  • Manageable monthly repayments from £25
  • Good option for anyone hoping to improve their credit rating
  • Free access to select Noddle Premium services for 3 years

Minimum criteria

  • You must be aged over 18
  • You need to be a UK resident or British Forces Post Office address
  • You must earn at least £5,000 per year
  • You don’t already have more than 1 Tesco Bank credit card
  • You have not applied for a Tesco Bank credit card within the last month
  • You must not have had any CCJs in the past 18 months
  • You must not have had an account closed in the past year due to missed repayments.


  • Introductory Balance Transfer Fee: £0
  • Introductory Purchase Rate: 0%
  • Balance Transfer Rate: 0%
  • Balance Transfer Fee: £3
  • Purchase Rate: 27.5%
  • Fee Amount: £3
  • Representative APR: 27.5%

About Tesco | Foundation credit card

The Tesco Foundation Credit Card has a representative APR of 27.5%, launched for those with an unfavourable credit history. The credit card and features are designed to get customers back on track with their finances. The credit limit can be anywhere from £250 to £1,500, depending on your credit status and affordability. 

Applying for the Tesco Foundation Credit Card can take 10 minutes but the decision is made within one minute. Tesco allows customers to manage their cards either online by logging in to the website, or by using the mobile app if on the go. The actual Tesco Foundation Credit Card is contactless and you can set up email or text alerts to help you keep your repayments manageable. Monthly repayments start at £25. 

Like with all Tesco Credit Cards, you can earn Clubcard points whilst using your Foundation Credit Cards - earn 1 point for every £4 spent with Tesco and 1 point per £8 if spending elsewhere. These points can then be exchanged for vouchers in-store or discounts with their rewards partners such as Hotels.com, Merlin Entertainments, Pizza Express and more. 

Company information

Registration number: SC173199



2 South Gyle Crescent, Edinburgh, United Kingdom

FCA registration

Reference No: 186022

Trading names: Buy Now Pay Later, Tesco Bank, Tesco Buy Now Pay Later, Tesco Clubcard Credit Card, Tesco Personal Finance Plc

Place of business: 2 South Gyle Crescent, Edinburgh, United Kingdom, EH12 9FQ

Data protection registration

Registration No: Z4988111


Address: 2 South Gyle Crescent, Edinburgh, United Kingdom, EH12 9FQ

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