Introducing Barclaycard Initial

You've been selected to apply for Barclaycard Initial

Offer ends 4 July 2018

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

    We recently contacted you to explain why Barclaycard Initial could be the right match for you. Before you apply, here's a quick reminder: 

    • A starting credit limit between £150 and £1,200*
    • Free text or email alerts to help you keep track on your spending (you'll need to register)
    • Simply make at least your minimum payments on time and stay within your credit limit and we'll reduce your interest rates within 12 months of account opening**
    • 24/7 fraud protection
    • Online account servicing

    *Actual credit limit offered will be based on your individual circumstances.

    **Remember your interest rate will move in line with the Bank of England base rate, so your rate might change before we reduce it.
    Before you go ahead, make sure you've read the summary box and part one of your application carefully. 

    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 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.

    Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. To learn more visit

    Read summary box      Read terms and conditions 

    Apply now Check if I'm eligible
  • 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.

  • A card that's easy to manage

    Your new account also comes with easy ways to help manage your finances:

    • Set up free text and email alerts to help you keep track of your spend, let you know when a payment's due and much more
    • Manage your account, your way, either online or through our Barclaycard app** with Barclaycard account servicing
    • 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.
  • Getting in touch

    If you have questions about your application

    • Go online - just visit
    • Call us on 0800 056 3486 between 8am - 9pm Monday to Friday, or 9am - 1pm on Saturday
    • During the application process we’ll ask you to confirm your current annual income. If you know that this will change in the next 12 months, please also supply the lower annual income figure in your application.

    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 08.00 - 21.00 Monday to Friday and 09.00 - 13.00 on Saturday. Or you can visit any Barclays branch and speak to an adviser.

    Call Charges

Important information

Remember – Where contactless isn’t accepted, you'll be required to use a PIN with this credit card in order to pay for things over the counter in shops and other outlets.

^Terms, conditions & restrictions apply . You must have a Barclaycard account and be aged 18 or over to use the Barclaycard app.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0800 161 5286 before completing the application.

Here's a guide to call charges from landlines within the UK -  Read our call charges and information.