Initial - the credit card that can help you build your credit rating

Initial – the credit card that can help you build your credit rating

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

Your Barclaycard offer

  • A starting credit limit between £150 and £1,200
  • 0% interest on purchases for three months from account opening
  • Simply make your minimum payments on time and stay within your credit limit and we’ll reduce your interest rate by up to 5% over two years*
  • Free ongoing access to your Experian Credit Score  (conditions apply)

Helping you stay in control

  • Set up free text and email alerts to help you keep track of your spend, let you know when your payment's due and much more
  • Manage your money through our mobile app
  • Your new account will automatically be set up with digital statements so that you can manage your account online. You can choose to receive paper statements at any time in your Barclaycard account
  • If you manage your account sensibly, by making your payments on time and staying within your credit limit, you could build your credit rating over time. However, your credit rating could be harmed if you don't manage your Barclaycard sensibly
*Remember your interest rate moves in line with the Bank of England base rate
If you decide to apply, please make sure you read part one of your application carefully. It tells you what you need to do to keep your 0% rate and what happens when your 0% offer ends.

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.

We’re not ones to brag, but we’d just like to draw your attention to our latest awards. We’re rather proud of them.
Best For Building Credit
uSwitch Awards 2016
Best Credit Builder Card Provider
Moneysupermarket Supers Awards 2016

  • 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
  • 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
  • Details of any credit cards that you'd like to transfer a balance from (please note that we can't accept balance transfers from debit cards or from existing Barclaycard credit cards. You have up to 60 days from when you open your account to transfer your balance).

Before you go ahead, make sure you've read and understood the summary box and balance transfer terms and conditions.

Check if you're eligible

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

Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days.

Still not decided?

If this card doesn't sound right, why not consider: our most accessible balance transfer - 18 months - 24.9% APR Representative (variable)

Getting in touch

If you have questions about your application just contact us

Having problems understanding this information?

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.