Tesco Foundation Credit Card. First Credit Card?

cymro2001

Hi,

I am turning 18 very soon and want to start building my credit file as soon as possible, ready for any future events. I have a steady income and plan to get a credit card to buy day-to-day things that I would usually buy and then just pay the card in full each month. I will also be getting a SIM only deal as this is currently cheaper than my PAYG sim.

We tend to do a lot of shopping in Tesco for household food and things. Therefore I was looking at maybe getting the Tesco Foundation Credit Card, for the extra Clubcard Points, which is advertised towards people with a poor credit history or those who want to re-build.
Does anyone know if this card would also be suitable for someone who is new to credit? Or would it be better going to Barclays who I've banked with for a while for their Initial Credit Card?

Looking forward to your replies.
Thanks

[Deleted User]

Either.

Use an eligibility checker when the time comes

20aday

As Gary points out use an eligibility checker but some people suggest, on here, to try your bank first as they have a better idea of how you conduct your account with them.

With the Tesco Foundation Card you can still use it as a Clubcard without making purchases on it, if you so wish.

chanz4

Tesco can be funny, I would go for capital one first

acc

Have a look at the Aquacard, which gives 0.5% cashback (up to £100 per annum), more than the Tesco Clubcard returns.

You can set up a direct debit to pay off the full monthly balance each month as you intend.

ceredigion

acc wrote: »

Have a look at the Aquacard, which gives 0.5% cashback (up to £100 per annum), more than the Tesco Clubcard returns.

You can set up a direct debit to pay off the full monthly balance each month as you intend.

But aquacard doesn't offer £45 cash back on Quidco.

NewToTheUkAgain

I echo that Tesco can be picky / odd with who they accept