The benefits of Barclaycard Initial

Initial card image
  • A credit limit of up to £1200
  • Enjoy 0% interest on purchases for three months from account opening. You’ll need to make your minimum payments on time and stay within your credit limit to keep your 0% rates. Otherwise the interest will go back to the purchase rate below, which is also the rate you’ll pay when your promotional period has ended.
  • 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
  • You can choose a payment date to suit you
  • Set up free alerts and updates
  • Stay in control and manage your Barclaycard online or 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
  • It's easy to apply, you'll get a response to your application in two minutes and could get your card in 5 working days
  • Your application to Barclaycard Initial is subject to our eligibility criteria and your status. You can view our eligibility criteria here and check if you’re likely to be accepted
Once you apply you'll get a response within minutes and will receive your card within five working days if accepted.

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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.


Just to let you know, there are a few points to consider (if your application is accepted) for any payments you make to your new Barclaycard account. When your funds are received by us during business hours we make them available for you to spend the next day. Funds received after business hours are considered to be received the following business day. However, we are looking to make improvements to our systems so that funds received by us during business hours are made available to spend within 2 hours. Please note that there is a gap between the time you give a payment instruction to your bank and the time funds are received by us.