Barclaycard | Initial credit card

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34.9% Representative

Intro purchase rate: 0% for 3 months

Purchase rate: 34.9%

Representative example:

Representative Example: The standard interest rate on purchases is 34.9% p.a (variable) with a representative 34.9% APR variable so when borrowing £1,200 the Representative APR will be 34.9% (variable).

No reviews for Barclaycard | Initial credit card


  • Suitable for those with a limited credit history
  • 0% on purchases for 3 months
  • Pre-application eligibility checker
  • Manage the card through the Barclays mobile app
  • Contactless card payments

Minimum criteria

  • You need to be over 18 to apply
  • You must earn over £3,000 a year
  • You must not have more than one County Court Judgement
  • You must have lived at your current address for at least three months
  • You must have not recently missed a bill payment


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Barclaycard | Initial credit card

This credit card is aimed at customers who are looking to improve their credit score through making repayments on time and not exceeding their credit limit. Barclays is one of the only mainstream banks to offer a credit-building credit card, and also offers 0% interest on purchases for the first 3 months after opening the card. 

You can also check if you're likely to be eligible before you apply, without affecting your credit score. Credit limits of between £150 and £1,200 can be offered to successful applicants. 

Company information

Registration number: 01026167


1 Churchill Place, London E14 5HP

FCA registration

Reference No: 122702

Trading names: Barclaycard, Woolwich, Standard Life

Place of business: 1 Churchill Place, London E14 5HP

Data protection registration

Registration No: Z5813704

Data controller: BARCLAYS BANK PLC

Address: 1 Churchill Place, London E14 5HP

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