Better Together – helping Barclays customers get their first credit card

Whether you're new to credit or looking for your first credit card, the Better Together offer could give you access to all the benefits of a Barclaycard Initial credit card with your Barclays current or Cash Card account. It's the perfect way to help build your credit rating over time with Barclays and Barclaycard.

Better Together with Barclaycard Initial gives you:

  • A credit limit between £250 and £2,000 – subject to status
  • An interest rate of either 29.9% or 34.9% – depending on your individual circumstances, which we’ll confirm when you apply
  • The chance to help build your credit rating over time by making your minimum monthly payments on time and staying within your credit limit. However, your credit rating could be harmed if you don’t manage your Barclaycard sensibly
  • Plus, you’ll have access to Barclays Mobile Banking  so you can manage both your Barclays bank account and your Barclaycard with one handy app. You’ll be able to:
    • See your latest live balance
    • Check your recent transactions in detail
    • Pay your bill in a way that suits you
    • And check your credit limit and remaining credit

Representative example

Representative APR 29.9% APR (variable)
Purchase rate p.a. 29.9% p.a. (variable)
Assumed credit limit £1,200

Subject to application and status. The terms of your product, may differ from the example.

Just visit any Barclays branch nationwide  and ask a Personal Banker about Better Together and how it can help you build your credit rating over time.

To help you stay in control of your credit card, build your credit rating over time and stay on budget, simply visit Barclaycard TV and watch some of our helpful videos.

A few things to remember:

To be eligible, you’ll need to:

  • Hold a Barclays current or Cash Card account
  • Have your salary of at least £3,000 per annum paid into it, and
  • Pay your minimum monthly credit card statement by Direct Debit.

If you don’t currently have a Barclaycard current or Cash Card account, please speak to a Personal Banker in a Barclays branch to see if Better Together is suitable for you.

Visit your local Barclays branch  to find out more


Already applied?

If you’ve already applied in branch, here’s what you need to do next:

  • Remember to complete the salary mandate form and give it to your employer. If you've lost the form you received in branch, you can download a copy of it below:
  • Salary mandate form PDF (43KB)
  • Your salary must be paid into your Barclays current account. If this doesn't happen within 60 days, your application for a credit card will be cancelled

Once your salary is paid in to your Barclays current account, we'll check your eligibility for a Barclaycard Initial credit card. Once you receive your new card, you can start enjoying all the benefits that come as standard.