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.
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.
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Barclaycard initial - to help you build your credit rating 
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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. |
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Barclaycard Platinum 18 month balance-transfer card 
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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. |
A wide range of features, tools and handy extras awaits. Here are some of them.
Convenient banking in an app
Pay bills, check balances, and manage your accounts, safely and securely with our mobile banking apps.
Free and ongoing access to your Experian Credit Score1
Your credit score is used by lenders to assess the risk of offering you credit – so it’s a good idea to check it regularly.
Lots of help and support
You can call us from our mobile banking apps anytime – it’s easy to get in touch.
Your purchases are protected as standard
Pay with Barclaycard and, as with any credit card, your purchases over £100 could be protected if they’re faulty or damaged when you receive them.
Fraud-prevention features
Your account gets 24/7 monitoring – we’ll text or call you within 60 seconds if we see any suspicious activity.
Presale tickets to shows
Beat the crowds to the newest events with presale tickets.
18.9% APR Representative (variable)
Get reward points or cashback when you shop
With our Barclaycard Freedom Rewards card, you can spend your points at a wide selection of high-street stores, online retailers, restaurants, entertainment venues and charities. And our Platinum Barclaycard with Barclays Blue Rewards gives you £1 cashback every month you spend.
Spread the cost of your purchases
If you’ve some urgent DIY to do or need some help with day-to-day spending, then one of our purchase-offer cards could be right for you.
Find a credit card that’s right for you
If you need flexible ways to pay what you owe, a balance-transfer card could be what you need.