The benefits of Barclaycard Initial

Barclaycard Initial credit card

For people with limited credit history

Representative example

34.9% Representative APR (variable)
34.9% Purchase rate p.a. (variable)
£1,200 Assumed credit limit

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.

  • Designed for people with limited credit history or no credit history

    If you’re looking for your first credit card, or your credit history isn’t great, our award-winning Barclaycard Initial could be the card for you.

    Offer details

    • A starting credit limit between £150 and £1,200
    • 0% interest on purchases for three months from the date you open your account
  • How Initial could help build credit history

    This card could help you improve your credit rating over time if you:

    • Always make your payments on time
    • Pay at least the minimum amount due every month
    • Stay under your credit limit

    If you don’t make your monthly payments on time and stay under your credit limit, this could make your credit rating worse. So make sure you manage your account properly.

  • Best suited for new customers who

    • Are over 18
    • Earn over £3,000 a year
    • Are employed
    • Haven’t been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order
    • Do not have more than one County Court Judgement
    • Have lived at their current address for at least three months
    • Haven't recently missed a bill payment

    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.

  • Card benefits and features

    • Free text and email alerts to help you stay on track
    • Free ongoing access to your Experian Credit Score (conditions apply)
    • Manage your money through our mobile app
    • Your new account will be set up with digital statements. These can be found in your online Barclaycard account, which you will need to register for. You can choose to switch to paper statements at any time
    • Contactless payments, exclusive entertainment perks and emergency help when you need it most
    • An exclusive package of benefits and savings with Barclaycard Entertainment
  • What you'll need to apply:

    • Address details for the last two years
    • Phone number and e-mail address
    • Current employment details
    • Details of your annual income
    • Main bank account sortcode and account number

Remember: to keep your 0% rate for 6 months, you’ll need to make your minimum payments on time and stay within your credit limit. Otherwise your 0% rate will go up to the standard rate, which is also the rate you'll pay when your promotional period has ended.

Apply now Check your eligibility


Help and advice

Contact us
Credit explained
Frequently asked questions
Credit card eligibility checker
Barclaycard benefits