Tesco Bank Foundation Credit Card

Tesco Bank Foundation Credit Card

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Tesco Bank · MASTERCARD

The Tesco Bank Foundation Credit Card is a credit card from Tesco Bank on the MASTERCARD network. It has an annual fee of £0. It earns 0.3x on groceries, 0.3x on gas & fuel, 0.1x on everything else.

Verified 12 Sept 2026

Key facts

Annual fee
£0
Purchase APR
29.9% p.a. (variable)
Foreign transaction fee
2.75%
Network
MASTERCARD

Reward rates by category

Reward rates for the Tesco Bank Foundation Credit Card by spending category
CategoryRateDetail
Groceries0.3x1 point for every £4 spent in Tesco
Gas & fuel0.3x1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 2 litres bought
Everything else0.1x1 point for every £8 spent outside of Tesco

Benefits and perks

  • Our best card for helping you build or improve your credit score if you have bad credit
  • Track your progress with Tesco Bank CreditView
  • Are you new to credit or have a bad credit rating? If you’re looking to build or improve your credit score, our Foundation Credit Card could help.
  • Starting credit limits between £200 - £1,500 and monthly repayments from £25 You may be considered for regular credit limit increases if you make your minimum payments on time, stay within your credit limit and similarly manage any other credit cards or loans you have with us.
  • Track your credit score Get access to Tesco Bank CreditView, provided by TransUnion, for 3 years from account opening and track your credit score with monthly updates.
  • Collect extra Clubcard points with your Clubcard Credit Card 1 point for every £4 spent in Tesco 1 point for every £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 2 litres bought 1 point for every £8 spent outside of Tesco Points calculated on single transactions. Exclusions apply. Rates may vary. Find out more information on Credit Card Rewards.
  • Unlock Clubcard Prices Did you know that you can use your Clubcard Credit Card to unlock Clubcard Prices? Watch your prices fall at the till, tap your credit card once to activate your Clubcard, and tap again to pay.

Questions about the Tesco Bank Foundation Credit Card

What is the annual fee on the Tesco Bank Foundation Credit Card?

The Tesco Bank Foundation Credit Card has an annual fee of £0.

What rewards does the Tesco Bank Foundation Credit Card earn?

The Tesco Bank Foundation Credit Card earns 0.3x on groceries, 0.3x on gas & fuel, 0.1x on everything else.

Is the Tesco Bank Foundation Credit Card worth it?

The Tesco Bank Foundation Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

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Approval and real earn reports from cardholders are coming to this page soon.

Not sure this is the right card for you?

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