Barclaycard Initial. Your first step to financial freedom
Three good reasons to get an Initial card
- Enjoy one single, simple rate for purchases and cash advances. 29.9% APR typical (variable)
- Start with a low, manageable credit limit that we may later review and increase
- Stay on top of your spending with free text reminders, five days before payment is due
We prefer to say ‘yes’
We don’t believe in making life difficult. So we designed Barclaycard Initial with sensible spending limits. Owning this card could actually help improve your credit rating.
An Initial Credit Card could be right for you, if:
- You have a limited credit history
- You earn more than £10,000 a year
- You’re on the electoral roll at your current address
An Initial card will not be suitable for you, if:
- You are not yet 18
- You have been declared bankrupt
- You have had a CCJ or IVA registered against you in the last 5 years
- You are already a Barclaycard customer
Get an answer right away
Apply for an Initial card and we’’ll give you a response in minutes.
So what are you waiting for?
Enjoy a little bit more with an Initial Credit Card
- Barclaycard Freedom - earn 1% of the value of your purchase in Reward Money (0.5% at Shell) in participating retailers. Find out more at barclaycardfreedom.co.uk.
- Barclaycard Unwind puts some of the best live music at your fingertips. You'll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
Apply with confidence
You can check your likely eligibility with our new pre-application check - without the need to make a full application.
Keeping you in control
Barclaycard Initial helps you take charge of your finances.
- mybarclaycard - keep an eye on your spending, manage your account online
- Contactless payments - the new quick and easy way to pay for purchases of £15 or under
- Shop safer with Chip and PIN protection and more
- Problem with your card? Just call us, any time at all - 0844 811 9111