Credit building credit cards

Try Barclaycard Initial

If you’re looking for your first credit card, or have limited credit history, then the Barclaycard Initial could be just right for you.

Improve your credit rating and get free access to your Experian credit score
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Want to build your credit rating?

Ideal if you’re looking for your 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 stabling 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.

Card	Card information	Apply method
Barclaycard initial - to help you build your credit rating	0% interest on purchases for 3 months from the date you open your account Credit limit of £150-£1,200, subject to status Enjoy free and ongoing access to your Experian Credit Score (conditions apply) Representative example Representative APR – 34.9% APR (variable) Purchase rate pa – 34.9% pa (variable) Assumed credit limit – £1,200 You may be offered a different credit limit, representative APR, purchase rate or promotional balance transfer period to any shown here as it depends on your individual circumstances. Subject to status. See full details for this card	More details and apply
Barclaycard Platinum 18 month balance-transfer card	0% interest for 18 months on balance transfers from the date you open your account (2.99% fee applies). Transfers must be made within 60 days to benefit from the 0% offer 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 You may be offered a different credit limit, representative APR, purchase rate or promotional balance transfer period to any shown here as it depends on your individual circumstances. Subject to status. See full details for this card	More details and apply