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.

  • Manageable monthly repayments from £25 and credit limits between £250 and £1,500
  • Set up email and text alerts to help you avoid missing repayments and stay in control
  • Our mobile app helps you keep on top of your spending, on the move

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
  • Benefit from our partnership with Noddle
  • Collect Tesco Clubcard points wherever you use your cardTerms apply
noddle - part of the Callcredit Information Group

Get a little help managing your credit score with Noddle

noddle - part of the Callcredit Information Group

We’ve joined forces with Noddle, part of the Callcredit Information Group, to help our Foundation Credit Card customers take control of their credit score and start to understand their finances better.

Noddle is a free service which allows you to view your credit report, credit score, rating and financial history. Additionally, as a Foundation Credit Card customer you will also benefit from free access to Noddle Improve and Noddle Alerts for 3 years from the moment you sign up. Find out more

Noddle Improve – information and helpful tips on how you can improve your credit score.

Noddle Alerts – sending you notifications when there are significant changes to your credit report, allowing you to stay in control of your report and spot any problems quickly.

All of which can help you keep on top of things.

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.

Contact us

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

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:

National Trustco Bank Credit Cards are provided by: National Trustco 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.

Collecting Tesco Clubcard points

How to collect Tesco Clubcard points with your National Trustco Bank Clubcard Credit Card

It's simple: use your Clubcard Credit Card wherever you see the Mastercard logo. You'll collect points on almost everything you buy.

  • You collect 1 Clubcard point for every £4 spent (£4 minimum) in Tesco and 1 point for every £8 spent (£8 minimum) outside Tesco in each purchase transaction
  • There are some products at Tesco you can't collect points on. Find out more about collecting 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 points.


Important Points

  • If you have applied and been accepted for a Foundation Credit Card then we’ll send you a welcome email within three weeks of receiving your card, including a link to the sign up page.
  • If you’re already a Noddle customer and are accepted for a Foundation credit card, then you’ll have the opportunity to upgrade your account to have access to Noddle Improve and Noddle Alerts through the welcome email.
  • As part of the sign-up process you will be required to pass Noddle’s identity validation checks before accessing your Noddle account.
  • After three years, your additional benefits (Noddle Improve and Noddle Alerts) will expire, but you can choose to renew and pay for these benefits if you want to. The good news is, you will still have access to your free for life credit report and score.
  • It’s worth knowing that only the primary credit card account holder will have access to Noddle.