Is this card right for you?

Initial

0% on purchases for 3 months from opening your account

Receive £10 cashback when you spend a minimum of £200 in the first 3 months of opening your account (terms and conditions apply)

Start with a low, manageable credit limit that we may later review and increase

Comes with the option to turn any phone into a new way to make contactless payments, with a Barclaycard PayTag. Once you're approved, we'll send you an email to see if you're interested in receiving a PayTag or you can simply visit us online to register your interest*

Paperless statements: your new account will automatically be set up with paperless statements so that you can manage your account online**

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Representative example

Representative APR 29.9% APR (variable)

Purchase rate p.a. 29.9% p.a. (variable)

Assumed credit limit £1,200

Subject to application and status. The terms of your product may differ from the example.

You can also look forward to...

mybarclaycard

Visit mybarclaycard online or via your mobile with Barclaycard Mobile and have complete control of how you manage your account. You can pay bills, set up direct debits, review your spending and much more

Fraud monitoring

For your safety, we keep a close eye on your account. If we notice a suspicious transaction you may not have made, our Fraud Prevention team will give you a call straight away

Contactless payments

This is a quick and easy way to pay for items that cost £20 or under, like a sandwich or coffee, with no need for change. Just hold your credit card close to a contactless reader wherever you see the contactless symbol

Barclaycard Unwind

If you’re a music lover, Barclaycard Unwind gives you access to exclusive tickets to shows and live sessions, while keeping you up-to-date with news about your favourite artists and bands

What Barclaycard Initial could do for you

It’s great if you...

Are new to credit
Looking for a manageable credit limit
Want to improve your credit rating

Important information

* Subject to your new account being in good order

Barclaycard reserves the right to withdraw this offer at any time.

Terms and Conditions apply. Barclaycard is subject to application and status.

This offer is only available to new customers.

You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges information

How it fits into your life

Managing your account is easy

For a simple way to transfer balances, request changes to your credit limit and access statements, just sign up to mybarclaycard, our online account service.

Purchase delivery protection

Just use your Barclaycard when buying brand new products and services from UK retailers online, by phone or mail order and you’re protected if your delivery is lost or damaged

No missed payments with free alerts

Sign up for free texts alerts and we’ll send you a reminder five days before your monthly payment is due. It’s a great way to avoid late payment charges.

Emergency help when you need it most

We offer replacement cards and emergency cash advances, depending on the money in your account. And if you’re abroad, you can count on our World Assistance team to help you, 24 hours a day.

24 hour service you can rely on

Our customer services teams are happy to help any time of day or night.

Our exciting new online account service is a great way to manage your account. It’s packed full of features that you can tailor to your needs.

Simply log in with a friendly interface that you style as you like
Charts and graphs that you personalise to show what’s most important to you
Get real time displays of your balance, even as you make payments
See exactly what you've spent
A handy calculator tells you minimum or maximum payments you could make
An overseas indicator so your card isn’t blocked when you’re away
Payment details are stored for when you need them next
Switch to paperless statements.

Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days

Before you go ahead, make sure you've read and understood the summary box and balance transfer terms and conditions.

Apply now

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If you're ready to apply

An Initial Credit Card could be right for you, if:

You’re 18 or older
You have no credit history
Your financial situation has improved over the last 12 months
You have not been declared bankrupt in the last 12 months
You’ve had no County Court Judgments or Individual Voluntary Arrangements in the last 12 months
You don’t already have a Barclaycard
You’ve lived at your address for at least 3 months
You are in regular employment

Finding the right card for you

You can find out in one minute which card you may be eligible for without affecting your credit rating.

Am I eligible?

Apply now in 3 easy steps

1. Tell us where you live and a little bit about yourself

2. Let us know who you bank with and if you want to move a balance tell us how much you want to transfer

3. Make sure the information you are giving us is correct and press submit. You'll get a response in minutes