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
  • Buy show and gig tickets on Fee Free Fridays and you won’t pay admin fees
  • Log in to see if you’re preselected

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.

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Card information

Apply method

Barclaycard Initial – to help 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

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

Get more than just a credit card

Barclaycard features, extras and benefits.

View your Experian Credit Score

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

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

No multiple fees when abroad

Just a fee of 2.99% each time you spend abroad

Barclays Mobile Banking and Barclaycard app

Your money on the move – pay bills, check balances, send money, safely and securely

Protecting you from fraud

24/7 monitoring with a text or call if we see suspicious activity on your account

Account alerts

Keep control of your account with free text or email alerts

Online account servicing

Pay your bill, check your credit limit and manage your account

Our selection of cards for you

18.9% APR Representative (variable)

Reward credit cards

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.

Purchase credit cards

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.

  • Spread the cost of purchases and get free access to your Experian credit report
  • Manage your account online or from your mobile banking app
  • Log in to see if you’re preselected for this card

Balance transfer credit cards

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.

  • Apply online – log in to see if you’re preselected
  • Manage your account online or from your mobile banking app