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

Our Barclaycard Initial eligibility checker tells you if it's a 'yes' before you apply  

Sometimes it's great to know in advance

Representative example

34.9% Representative APR (variable)
34.9% Purchase rate p.a. (variable)
£1,200 Assumed credit limit

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.

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

  • Designed for people with limited credit history or no credit history

    If you’re looking for your first credit card, or your credit history isn’t great, our award-winning 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 the date you open your account
    • Free ongoing access to your Experian Credit Score (conditions apply)
    • Simply make your minimum payments on time and stay within your credit limit and we’ll reduce your interest rate within 12 months of account opening*.

    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. 

    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.

    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.

    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.

    *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  Initial
  • How Initial could help build your credit rating

    This card could help you improve your credit rating over time if you:

    • always make your payments on time
    • pay at least the minimum amount due every month
    • stay within your credit limit
      However, your credit rating could be harmed if you don't manage your Barclaycard sensibly.
  • Card best suited for new customers who:

    • 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
  • Card benefits and features

    • Free text and email alerts to help you stay on track
    • Manage your money through our mobile app
    • An exclusive package of benefits and savings with Barclaycard Entertainment
  • What you'll need to apply:

    • 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.

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.

Still not decided?

Getting in touch

If you have questions about your application just contact us