First credit card

Looking for your first credit card, or have a limited credit history?
With a credit limit of up to £1,200 and 0% on purchases for 3 months, Barclaycard Initial could be
the right card for you.

By making your payments on time and staying within your credit limit, you could build your credit rating over time. However, your credit rating could be harmed if you don't manage your Barclaycard sensibly.

  • Choose a payment date that suits you
  • Manage your money through our mybarclaycard app

 

 

Products

Barclaycard Initial

Barclaycard Initial 

  • 0% interest on purchases for 3 months from account opening
  • Credit limit of between £150 and £1,200
  • Contactless technology for quick and easy payments for purchases of £20 or under

Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit. To keep your 0% rate, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended.

Representative
example
Representative APR
34.9% APR
(variable)
Purchase Rate pa
34.9% pa
(variable)
Assumed Credit Limit
£1,200
(variable)

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% fee)
  • 0% interest on purchases for 3 months from account opening 

APR and offer terms may vary with individual circumstances, subject to status

To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended. If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate has expired, unless you repay your balance in full.

Representative
example
Representative APR
24.9% APR
(variable)
Purchase Rate pa
24.9% pa
(variable)
Assumed Credit Limit
£1,200
(variable)

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.

 

 

Eligibility

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

  • You are aged 18 or older
  • You’re in regular employment
  • You haven’t been made bankrupt in the last 6 years – including an Individual Voluntary Arrangement or Debt Relief Order
  • You don’t have more than 1 County Court Judgment
  • You don’t already have a Barclaycard credit card
  • You’ve lived at your address for at least 3 months
  • You haven’t recently missed a bill payment

 

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.