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Credit Cards for building your credit

If you have a limited credit history or want to rebuild your credit, Barclaycard may be able to help

  • Build your credit rating if you are new to credit
  • Rebuild your credit history with good account management
  • Great if you're looking for a manageable credit limit




Barclaycard Initial

Barclaycard Initial 

  • 0% interest on purchases for 3 months from account opening
  • We may later review and reduce your interest rate based on your circumstances
  • Contactless technology for quick and easy payments for purchases of £20 or under
Representative APR
34.9% APR
Purchase Rate pa
34.9% pa
Assumed Credit Limit

Subject to application and status. The terms of your product may differ from the example.


Barclaycard Platinum Purchase Visa

Barclaycard Platinum 18 month balance-transfer card 

  • 0% interest on  balance transfers  for 18 months from account opening (with a 2.9% transfer fee)
  • 0% interest on purchases for 3 months from account opening
  • If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate for 3 months has expired, unless you repay your entire balance in full each month.
Representative APR
24.9% APR
Purchase Rate pa
24.9% pa
Assumed Credit Limit

Subject to application and status. The terms of your product may differ from the example.


 Additional benefits

  • Easy online management – sign up to mybarclaycard to keep track of your account
  • Cover against loss or damage – use your Barclaycard when purchasing brand new products and services from UK retailers online, by phone or mail order and you’re protected if your delivery is lost or damaged
  • Emergency help – we offer replacement cards and emergency cash advances, depending on the money in your account. And if you’re abroad, you can count on our World Assistance team to help you, 24 hours a day
  • Contactless payments – just hold your credit card close to a contactless reader for payments that are £20 or less
  • 24 hour service – we’re ready to help whenever you need it
  • Fraud monitoring – if we notice a suspicious transaction you may not have made, our Fraud Prevention team will give you a call straightaway


Barclaycard Initial guide

Barclaycard Initial could offer you:

  • The chance to rebuild or improve your credit if you have a bad credit history
  • The ability to start building your credit history

Good or bad, your credit rating will follow you wherever you go – and it largely affects your financial future. So if you want to improve your credit rating or if you don’t have one because you're new to credit, Barclaycard Initial could help you.


Got a question?


  • What is a credit-builder credit card?

    Dependent on how you manage your account a credit-builder credit card – like Barclaycard Initial – could help you if you are new to credit or are looking to improve your credit history. The credit limit on one of these cards is lower than what some other cards offer, making it easier for you to manage your repayments.

  • How can a credit-builder card benefit me?

    If you are able to manage your card effectively, a credit-builder card like Barclaycard Initial may help you improve a bad credit rating or build a new one from scratch.

  • How can I make my credit-builder card work for me?

    By using your credit card and spending a little every month and then making prompt regular payments every month, you can help improve your bad credit history, or build a new one.




Now that you've seen the benefits, see if you are eligible.

  • You are aged 18 or older
  • You have no credit history
  • Your financial situation has improved over the last 12 months
  • You have not been declared bankrupt in the last 12 months
  • You have had no County Court Judgments or Individual Voluntary Arrangements in the last 12 months
  • You don’t already have a Barclaycard
  • You have lived at your address for at least three months
  • You have a regular income of more than £10,000 per annum
  • You are in regular employment


Apply with more confidence

With our pre-application check – you can find out in 1 minute which card you may be eligible for, without affecting your credit rating.


Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


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