Forward Card

A smart choice if you’re new to credit cards or want to improve your credit rating

Barclaycard Forward Credit Card

Representative example


33.9% APR


Purchase rate


p.a. (variable)

Based on a


credit limit

What do these rates mean?

The approval of your application depends on your financial circumstances and borrowing history.

Use the eligibility checker to find out if you’ll be accepted, without affecting your credit rating. 

Your Barclaycard at a glance

  • A personalised credit limit

    Between £50 - £1,200.

  • Price promise – 3% interest rate reduction

    If you make all your payments on time and stay within your credit limit for the first year. Keep it going in the second year and you’ll get another 2% reduction. You can find out more in the “How does the price promise work” section below.

  • 0% interest on purchases for 3 months

    From the date you open your account.

  • Manage your account with handy alerts

    Get text or email alerts when your balance is due, helping to keep on top of spending and build your credit score.

    Summary of rates   

    Terms & Conditions

Barclaycard Forward Credit Card and Barclays mobile banking app

Check if you’re eligible

Making lots of credit applications can make your credit rating worse.

Use our free eligibility checker before you apply to find out whether you’re likely to be accepted for a credit card. It only takes a few minutes and it won’t affect your credit rating.

Important things you need to know

  • Here’s what you need to know about how to get a reduction in your interest rate over the first couple of years.

    • We’ll reduce your cash and standard rate in the first two years as long as you stay within your credit limit and make at least your minimum payments on time. The rate reduction will be 3% in the first year and 2% in the second.
    • If you don’t qualify in the first year but qualify in the second year you will get a reduction of 3% in that year.
    • The rate reduction starts from the date you receive your statement on the anniversary month of when you open the account.
    • Your interest rates will move up and down in line with changes to the Bank of England Base Rate. This means that if your rates go up or down due to a Base Rate change then any Price Promise reduction you get will be applied to that new higher or lower rate.

    Making minimum payments

    Making minimum payments could help you get a rate reduction but remember the longer you take to pay off your balance, the more interest you’ll end up paying. Just by paying a little more each month, you could clear your balance sooner than you think, and pay less in interest.

    Enter your current details into our Repayment Calculator and see the difference a few pounds extra can make.

    Repayment Calculator
  • It’s important to understand how credit cards work, especially if you’re new to credit. If you decide to apply, please make sure you read the sections below carefully as it provides important information about how interest is charged and how to manage your account.

    It’s important to stay within your credit limit

    Barclaycard Forward comes with a personalised credit limit based on what you can afford. Going over your credit limit not only means a £12 fee but it’ll also impact your credit rating. You can set up alerts to let you know when you're getting near to your credit limit so you can either make a payment or slow down on the spending. 

    Help to make sure you pay on time

    You can choose a payment date when you’re more likely to have money in the bank and there's a couple of options when it comes to setting up a Direct Debit.

    • Minimum amount – this helps avoid paying late payment fees but only meets the minimum requirement. It won’t help in the long run unless you’re making additional payments, especially if you continue to use your card. That’s because you could end up paying more in interest than towards the amount you’ve borrowed.
    • Fixed amount – Decide how much you can afford to pay and set your monthly Direct Debit for that amount. If it falls below the minimum amount, we’ll increase it to ensure you don’t get charged a fee. It’s a good idea to review the fixed amount every few months to make sure it’s meeting your needs.
    • Full amount – This is the best option if you can afford to do it as it limits the amount of interest you pay.

    Built in alerts to help manage your account

    With Barclaycard Forward, you’ll get alerts to let you know when your balance is due. There are other alerts you can turn on and off at any time, like weekly balance updates, balance limit alerts or notifications when your statement is available.

    • To keep your 0% rate for 3 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.
    • 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.
    • Understanding how fees and promotional rates work can help you to manage your account. So make sure you’re up to speed on the types of fees we may charge you and how promotional rates work.
    • Your standard and cash interest rates will move up and down in line with the Bank of England base rate, so your rate might change before we reduce it. To learn more visit
    • 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.

Benefits with your Barclaycard

Before you apply

Apply online in four easy steps and we’ll give you a response in one minute. If approved, your Barclaycard could be with you in five working days.

You can apply if:
  • You are aged 18 or over

  • You haven't been declared bankrupt in the past six years and don’t have more than one County Court Judgement

  • You have had a permanent UK address for at least two years

  • You are employed, with an income of more than £3,000 per annum

  • You are employed, with an income of more than £3,000 per annum

  • You are employed, with an income of more than £3,000 per annum

  • You are employed, with an income of more than £3,000 per annum

What you’ll need to hand:
  • Address details for the last two years

  • Phone number and e-mail address

  • Current employment details

  • Details of your annual income before tax

  • Details of your monthly income after tax

  • A good idea about your monthly outgoings

  • Main bank account sort code and account number

  • In some situations, if your application is accepted you will need to provide copies of your last two bank statements or payslips

Before you go ahead, make sure you've also read and understood the summary box of rates and terms and conditions.

Not the card for you?

Contact us if you’re having difficulty understanding

We can provide additional support for all customers, including those who have mental or physical health conditions or learning disabilities.

If you would like to talk to someone call 0800 056 3486 from 8am - 9pm Monday to Friday and 9am - 1pm on Saturday.