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.
If you’re looking for your first credit card, or your credit history isn’t great, our award-winning Barclaycard Forward could be the card for you.
Your Barclaycard offer
It’s important to understand how credit cards work, especially if you’re new to credit. So make sure you’re up to speed on the types of fees we may charge and how promotional rates work and what you need to do to keep them.
If you decide to apply, please make sure you read the information provided once you’ve clicked the 'Apply now' button. It provides important information about how interest is charged and how to manage your account.
Find out if you’ll be approved without affecting your credit rating.
If you make at least your minimum payments on time and stay within your credit limit for the first 12 months of opening your account we'll reduce your interest rates you're charged. If you ever have problems meeting your minimum payments please give us a call. We can then see if there’s any way that we can help and avoid the negative impact this could have on your rating.
Built in text alerts
With Initial 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.
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.
It’s important to stay within your credit limit
Initial 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.
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.
You may be offered a different credit limit, APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. If you’d prefer not to accept your alternative offer, you don’t have to go ahead with it.
Remember your interest rate will move in line with the Bank of England base rate, so your rate might change before we reduce it. To learn more visit barclaycard.co.uk/understanding-interest.
The Forward card is suited for people over 18, in full time employment, earning over £3,000 a year and lived at your current address for at least 3 months. You’re much more likely to be accepted if you haven’t been made bankrupt in the last six years and don’t have more than one County Court Judgement.
To make an application you’ll need details about your employment status, address details for the last 2 years and bank account number/sort code.
With our eligibility checker you can see how likely you are to be accepted for a Barclaycard before you apply. Plus, it doesn’t affect your credit rating.
Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days.
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 you can call 0800 056 3486 from 8am - 9pm Monday to Friday and 9am - 1pm on Saturday.
Or you can visit any Barclays branch and speak to an adviser.