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
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
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