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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
  • 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.

Card

Card information

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
 

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
 

What benefits do you get with Barclaycard?

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. 

Our selection of cards for you

18.9% APR Representative (variable)

Rewards credit cards

Get cashback when you shop

With a Barclaycard Platinum cashback plus card, you’ll pocket cashback every time you spend. So whether you use your credit card to pay for your morning coffee or treat yourself to something special, you'll always get something back.

And if you’re travelling abroad, you won't pay any fees on your spend and cash withdrawals when you pay in the local currency.

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