The first part of you initial card application

Part one of your application

To make everything as clear as possible we've summarised some of the key information below.
You need to read through this carefully before you continue with your application.

How your interest offers work

To keep your 0% rates

You'll need to stay within your credit limit and make at least your minimum payment
on time each month. If you don't, your 0% rates will go up to your standard rate

When your 0% purchase offer ends

You'll be charged interest at your standard rate for:

  • anything new you buy
  • any outstanding purchase balance on your account

If you don't pay off your whole balance each month, including any balances you've
transferred, then you'll be charged interest on your new purchases from the day the
transaction appears on your account.

Managing your Barclaycard

Staying on top of your account

To manage your account well you'll need to make payments on time and stay within
your credit limit - this could then help you build your credit rating over time. If you
don't do these things:

  • you'll lose any promotional interest rates you have
  • you'll be charged extra interest and fees
  • this could harm your credit rating

That's why it's so important to make sure you've read and understood all the Terms
and Conditions before you apply.

Bank of England Base Rate

Your standard and cash interest rates will move up and down in line with the Bank of
England Base Rate. Base Rate changes will not apply to your promotional interest rates.
To learn more visit:

We'll also review your credit limit after six months.