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Key Features

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 between £150 and £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 between £150 and £1,200
0% interest on purchases for three months from account opening

Your account will be reviewed within 12 months and your interest rate will 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...

mybarclaycard

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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

With contactless you can make fast and secure payments of £20 or under in seconds. There’s no need for cash or a PIN, just touch your card or PayTag close to a contactless reader and you’ve paid – just like that.

Entertainment

Unwind logo

Your exclusive entertainment perk – opening a unique world of music, comedy, theatre, family events and sport with great tickets and access to amazing experiences. Plus enjoy Fee Free Friday every week – when the admin fees are on us.
Terms and conditions apply.

Important information

This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time. Terms and Conditions apply and a Barclaycard is subject to application and status.

Remember – you’ll need to use a PIN with this credit card in order to pay for things over the counter in shops and other outlets if it isn’t possible to make contactless payments. If you ever forget your PIN you can easily view it in mybarclaycard online account servicing.

To make things easier, here’s 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. All you need to do is:

  1. Tell us where you live and a little about yourself
  2. Let us know who you bank with
  3. Check all the information and submit

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

Apply now Check if I'm eligible

Read summary box


Is Barclaycard Platinum right for you?

Barclaycard Initial could be ideal if you:

Are looking for your first credit card, or have a limited credit history

Still not decided? If this card doesn’t sound right, why not consider:

A 20 month balance transfer offer with a low fee - 24.9% APR Representative (variable)

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 text 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 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

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We’re always on hand to help when you need us the most with replacement cards and emergency cash advances, depending on the money on your account. And if you run into trouble when abroad our Worldwide Assistance team is here for you, 24 hours a day. You can get in touch by calling, emailing or sending a secure message through mybarclaycard.

24 hour service you can rely on

face to face

If you need help with your account our team is on hand to help – any time, day or night.


Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days. All you need to do is:

  1. Tell us where you live and a little about yourself
  2. Let us know who you bank with
  3. Check all the information and submit

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

Apply now Check if I'm eligible

Read summary box

Manage your account, your way


Mybarclaycard is the free, flexible and secure online service that helps you manage your account from your desktop, tablet, app or mobile. You can:

  • Use personalised charts and graphs to see what you’ve spent
  • View your PIN if you ever forget it
  • Get instant decisions when you request a change to your credit limit
  • Easily pay your bill and set up a Direct Debit
  • View your latest balance transfer offer
  • Get in touch securely and we’ll reply within 24 hours

Before you apply...

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

Check if you're eligible


Use our free eligibility checker to see if you’re likely to be accepted. It’s quick and as it only leaves a search footprint on your file – it won’t affect your ability to apply elsewhere.

Check if I'm eligible

What you'll need to apply


  1. Address details for the last 3 years
  2. Phone number and e-mail address
  3. Current employment details
  4. Details of your annual income
  5. Main bank account sortcode and account number

Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days. All you need to do is:

  1. Tell us where you live and a little about yourself
  2. Let us know who you bank with
  3. Check all the information and submit

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

Apply now Check if I'm eligible

Read summary box