Your Barclaycard Account
Initial Credit Card
- Enjoy one single, simple rate for purchases and cash advances.
- Start with a low, manageable credit limit that we may later review and increase
- A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
- 29.9% APR Representative (variable)
Barclaycard Initial. Your first step to simplifying your finances
We don’t believe in making life difficult. So we designed Barclaycard Initial with sensible spending limits. Owning this card could actually help improve your credit rating
Barclaycard Freedom
With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.
Please see important information and terms and conditions
Contactless payments
Barclaycard Flexi-Rate® includes contactless payment technology, a new, quick and easy way to pay for purchases of £ 15 or under – Find out more
Contactless mobile payments
Contactless payments with Quick Tap from Orange is the new way to pay with just a tap of your phone - Find out more
Keeping you in control
Barclaycard Initial helps you take charge of your finances.
- Mybarclaycard - keep an eye on your spending, manage your account online
- Barclaycard Unwind puts some of the best live music at your fingertips. You'll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
- Shop safer with Chip and PIN protection and more
- Problem with your card? Just call us, any time at all - 0844 811 9111
Important information
As a Barclaycard customer you can pay your bill online or over the telephone, by direct debit, or send a cheque through the post. Further information of these quick and easy payment methods will be shown on your statement.
Barclaycard reserves the right to withdraw this offer at any time.
Terms and Conditions apply. Barclaycard is subject to application and status.
This offer is only available to new customers.
You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.
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 0845 7660 758 before completing the application.
The following is a guide to call charges from landlines within the UK: Call charges info.
An Initial Credit Card could be right for you, if:
- You have limited credit history
- You earn more than £10,000 a year
- You're on the electrol roll at your current address
An Initial Credit Card will not be suitable for you, if:
- You are not yet 18
- You have been declared bankrupt
- You have had a CCJ or IVA register against you in the last 5 years
- You are already a Barclaycard customer
It's good to know the plain facts about this Barclaycard. This Summary Box gives you clear information about the key features of the card and does not replace any terms and conditions.
APR
Representative 29.9% APR (variable)
| Interest rates | Introductory rates | Monthly interest rate | Annual interest rate |
|---|---|---|---|
| Purchases | N/a | 2.207% | 29.9% |
| Cash withdrawals | N/a | 2.207% | 29.9% |
| Balance transfers | N/a | 2.207% | 29.9% |
Interest free period
Maximum 56 days from date of transaction for purchases if you pay your balance in full and on time each month.
No interest free period on cash advances or balance transfers (this is subject to any interest free promotional offer).
Interest charging information
If interest is payable, it will be charged from the date the transaction is debited to your account until it is paid in full.
Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.
Allocation of payments
If you do not pay the total outstanding balance in full by the payment due date, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances.
For further details, please refer to your credit card terms and conditions.
Minimum repayment
The highest of:
- 2.5% of the amount you owe us on your monthly statement;
- £5 (or the entire amount if less than £5);
- any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
If you only make the minimum payment each month it will take you longer and cost you more to clear your balance.
Credit limit
Minimum credit limit : £250
Maximum credit limit: Subject to status
Fees
No annual fee
Charges
- Cash withdrawals: 2.5% (min. £2.50)
- Balance transfers: 2.5% unless we tell you otherwise
- Overseas transactions: 2.75%
- Copies of statements: £3.00
- Copies of transactions: £5.00
Default charges
- Late payment: £12
- Over credit limit: £12
- Returned payment: £12
You can avoid paying additional charges by staying within your credit limit and ensuring that your monthly payments are received on time.
Pay less interest by repaying more each month
The example below assumes the following:
- £1000 purchase is added to your account on the 1st of the month and no further transactions made.
- Minimum payment is made each month on payment due date.
- Standard Rate (29.9% p.a.) is charged.
- Calculation includes any introductory rate on purchases.
- Credit limit is not exceeded.
| Monthly payment | Minimum payment each month | £50 each month | £100 each month |
|---|---|---|---|
| How much interest will be charged in the first year? | £254.82 | £233.51 | £168.20 |
| How much interest will be charged in the second year? | £225.89 | £125.74 | £1.46 |
| How long would it take to clear the balance? | 20 years 2 months | 2 years 6 months | 1 year 2 months |
If you would like this information in large print, Braille or audio format please call 0844 811 9119*.
*To make sure we maintain a high-quality service, we may monitor or record phone calls.
Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board.
Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP
As well as new to credit cards, Barclaycard offers great deals on balance transfers, cash back and more.
For more information on the Barclaycard range of credit cardsor to apply for a credit card,0% balance transfer credit card,apply for credit card onlineor balance transfer. Are you looking for a card that offers a credit balance transfer?Then fill out our credit card applicationform covering our entire credit card range.Will also offer: Credit cards low APR,interest free credit card,online credit card,Platinum credit card,UK credit card range,UK low rate credit card.Personal Loans.Business Credit Card.Insurance
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