The benefits of Barclaycard Initial

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.

Offer details

  • A starting credit limit between £150 and £1,200
  • 0% interest on purchases for three months from the date you open your account

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 under your credit limit

If you don’t make your monthly payments on time and stay under your credit limit, this could make your credit rating worse. So make sure you manage your account properly.

  • 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
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.

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  • Free text and email alerts to help you stay on track
  • Free ongoing access to your Experian Credit Score (conditions apply)
  • Manage your money through our mobile app
  • 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
  • Contactless payments, exclusive entertainment perks and emergency help when you need it most
  • 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

Remember: to keep your 0% rate for 3 months, you’ll need to make your minimum payments on time and stay within your credit limit. Otherwise your 0% rate will go up to the standard rate, which is also the rate you'll pay when your promotional period has ended.

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Help and advice

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Barclaycard benefits