Every 4 minutes we accept someone for Barclaycard Initial

Is this card right for you?

Initial card image

Is this card right for you?

Looking for your first credit card, or have a limited credit history? 

With a credit limit of up to £1,200 and 0% on purchases for three months, Barclaycard Initial could be the right card for you.

Take a look below to find out more – and before you apply, check if you’re likely to be accepted

Card benefits

A credit limit of up to £1,200
0% interest on purchases for three months from account opening

Your account will be reviewed within 12 months and your interest rate may be reduced and your line of credit increased if you always pay on time and stay within your credit limit

To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended. 

Build your credit rating with Barclaycard Initial

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 your Barclaycard sensibly.

Helping you stay in control

Choose a payment date that suits you
Set up free text and email alerts to help you keep track of your spend, let you know when your payment's due and much more
Manage your money through our mobile app
Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in mybarclaycard

Simple to apply

Get a response to your application in two minutes and receive your card in five working days if accepted. We review each application in line with our eligibility criteria, taking account of information about your individual status.

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Contact us if you’re having difficulty understanding

We can provide additional support for all customers including those with mental or physical health conditions or learning disabilities.

Representative example

Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% 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...


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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.

Contactless payments

Contactless symbol

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

Unwind logo

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.

Important information

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 0800 161 5286 before completing the application.

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

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.

Apply now Check if I am eligible

Read summary box

If this card is not right for you why not consider:

A 18 month balance transfer offer with a low fee

Popular Questions

How it fits into your life

How it fits into your life

Your account, your way

Statement Options

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.

No missed payments with free alerts

Alerts icon

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.

Purchase delivery protection

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.

Emergency help when you need it most

news world

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

face to face

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

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.

Apply now Check if I am eligible

Read summary box


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.

  • Simple 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
  • A handy calculator tells you minimum or maximum payments you could make
  • See exactly what you’ve spent
  • Get quick decisions if you request changes to your credit limit
  • Payment details are stored for when you need them next


If you're ready to apply

Best suited for:

  • Be over 18
  • Earn over £3,000 a year
  • Not be unemployed
  • Not have been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order
  • Not have more than one County Court Judgement
  • Not already have a Barclaycard credit card
  • Have lived at your current address for at least three months
  • Not have recently missed a bill payment

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.

Check if I am eligible

Apply now in three easy steps

  1. Tell us where you live and a little bit about yourself
  2. Let us know who you bank with
  3. Make sure the information you are giving us is correct and press submit. You'll get a response in minutes

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.

Apply now Check if I am eligible

Read summary box