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Credit building credit cards

Want to build your credit rating?

If you’re looking for your first credit card, or have limited credit history, then the Barclaycard Initial could be just right for you. By managing an Initial card well, it can help you build your credit rating – or improve a bad one.

For a little extra help, you can also enjoy free and ongoing access to your Experian Credit Score. 34.9% representative APR (variable)

Want to see if you're eligible for a Barclaycard?

Use our quick-and-easy tool that won't impact your credit rating.

See if you’re pre-selected to apply for a Barclaycard

Use our quick and easy pre-completed application form. Subject to status, terms and conditions apply.

Want to build your credit rating?

Ideal first credit cards, or for building your credit history

If you’re new to credit or you’ve got a limited credit history, then a credit card could be a convenient way of borrowing money and establishing your credit rating over time.

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, a Barclaycard could help you. For a little extra help, we also offer you free and ongoing access to your Experian Credit Score.

If you manage your Barclaycard sensibly, 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 it well.

Credit cards

Barclaycard Initial – to help build your credit rating

  • 0% interest on purchases for 3 months from the date you open your account
  • £10 cashback every 3 months for one year from the date you open your account, when you make your minimum payments on time and don't go over your credit limit. Offer ends 6 February 2017. T&Cs apply
  • Enjoy free and ongoing access to your Experian Credit Score

Representative example
Representative APR – 34.9% APR (variable)
Purchase rate pa – 34.9% pa (variable)
Assumed credit limit – £1,200 (variable)

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

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Credit cards

Barclaycard Platinum 18 month balance-transfer card

  • 0% interest for 18 months on balance transfers made within 60 days of opening your account. 2.99% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 6 February 2017 (T&Cs apply)
  • 0% interest on purchases for 3 months from the date you open your account

Representative example
Representative APR – 24.9% APR (variable)
Purchase rate pa – 24.9% pa (variable)
Assumed credit limit – £1,200 (variable)

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances

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Our selection of cards for you

18.9% APR Representative (variable)

Credit cards

All credit cards

Want to shop now and spread the cost? Looking for your first credit card? Want to earn rewards or transfer balances? Then there could be a Barclaycard that’s perfect for your lifestyle.

Credit cards

Balance-transfer credit cards

If you need flexible ways to pay off your debt, a balance-transfer card could be just what you need. When you move your balance from your existing credit card to a Barclaycard, you could take advantage of interest free periods on your new card.

Credit cards

Purchase-offer credit cards

Spread the cost of purchases with a purchase card. It can be a convenient way for you to make purchases now and pay for them over time.

Credit cards

Freedom Rewards card

You can collect Freedom points with every purchase from your Rewards card. If you redeem enough points you can spend them at a wide range of Freedom partners – from restaurants to theme parks to online stores and high-street shops.

Want more than just a credit card?

Barclaycard features, extras and benefits.

  • Enjoy free and ongoing access to your Experian Credit Score
  • Fee Free Friday – buy tickets on a Friday for shows and gigs without paying admin fees
  • Presale tickets to shows – beat the crowds to the newest events with presale tickets
  • No multiple fees when abroad – just a fee of 2.99% each time you spend abroad
  • Your purchases protected – pay with Barclaycard and, as with any credit card, your purchases could be protected if they’re faulty or damaged when you receive them.
  • Online account servicing – pay your bill, check your credit limit and manage your account
  • Protecting you from fraud – 24/7 monitoring with a text or call if we see suspicious activity
  • Account alerts – keep control of your account with free text or email alerts
  • Quick ways to pay –contactless lets you make fast, easy and secure payments of £30 and under
  • Barclays Mobile Banking and Barclaycard app – your money on the move. Pay bills, check balances, send money, safely and securely
  • Easy to get in touch – you can call us from the Barclaycard app anytime and you'll get through without passwords and security questions