Credit Cards - Credit building

Credit building credit cards

Credit building credit cards explained

If you’re looking for your first credit card or you’ve got limited credit history, our credit building credit cards could help you gradually build your credit rating.

It’s just important that you understand how they work. If you manage your account well, by doing things like staying within your credit limit and making at least the minimum payment each month, you can improve your credit rating over time. But if you don’t manage your account properly, you could harm your rating. Take a look at our page on understanding credit to learn more

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Best credit builder card provider

Initial credit card

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

  • Credit limit of £150-£1,200 subject to status
  • 0% interest on purchases for three months from the date you open your account
  • £10 cashback every 3 months for one year from the date you open your account, when you make at least your minimum payments on time and don’t go over your credit limit. Offer ends 4 February 2019. T&Cs apply

Representative example

Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

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.


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18 month balance transfer Platinum card

Great if you’ve built an average credit history and you’re now looking for a balance transfer.

  • 0% interest for 18 months on balance transfers from the date you open your account (2.99% fee applies). Transfers must be made within 60 days to benefit from the 0% offer

Representative example

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

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.


Find out more

Barclaycard is a trading name of Barclays Bank UK PLC. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England No. 9740322. Registered office: 1 Churchill Place, London E14 5HP

Barclays Bank UK PLC adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk

© Barclaycard 2019