The benefits of Barclaycard Initial

Initial card image

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.

Simple to apply

Once you apply you'll get a response within minutes and will receive your card within five working days if accepted.

Apply now

Read Summary Box

Offer details

  • A credit limit between £150 and £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 shown to the left, 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 will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit
  • You can choose a payment date to suit you
  • 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
  • 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

Best suited for

Best suited for people:

  • Who have not been made bankrupt in the last six years - including having an Individual Voluntary Arrangement or Debt Relief Order
  • Who don't have more than one County Court Judgement
  • Who have not recently missed a bill payment
  • Who have had a permanent UK address for three months or more
  • Who don't already have a Barclaycard
  • Who earn over £3,000 a year
  • Aged 18 or over
  • Who are not unemployed

Simple to apply

Once you apply you'll get a response within minutes and will receive your card within five working days if accepted.

Staying in control

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.

mybarclaycard online account servicing

Statement Options

Manage your account online and view your statements in a way that suits you. Designed to fit around you, mybarclaycard is the free, flexible and secure online service that helps you manage your account however you like. You can access your balance, latest statements and check up to a year’s worth of transactions – all on your desktop, tablet or mobile.

Simple to apply

Once you apply you'll get a response within minutes and will receive your card within five working days if accepted.

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.

Benefits

mybarclaycard online account servicing

Statement Options

Manage your account online and view your statements in a way that suits you. Designed to fit around you, mybarclaycard is the free, flexible and secure online service that helps you manage your account however you like. You can access your balance, latest statements and check up to a year’s worth of transactions – all on your desktop, tablet or mobile.

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.

Simple to apply

Once you apply you'll get a response within minutes and will receive your card within five working days if accepted.

Emergency help when you need it most

news world

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.

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.

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.

Is your annual income going to change?

During the application process we’ll  ask you to confirm your current annual income. If you know that your annual income will change in the next 12 months use the lower annual income figure in your application. If you require assistance we're here to help .

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.