Barclaycard Initial with 6m Purchases


Credit Needed
Fair Credit
  • 0% interest on purchases for 6 months
  • A starting credit limit between £150 and £1,200
  • Free ongoing access to your Experian Credit Score
  • Stay on top of your spending with free text reminders
  • You must be an employed UK resident, aged 18 years or over, earning at least £3,000 per year, you must not currently be bankrupt or undergoing an IVA and do not have more than one CCJ
  • Representative APR (variable)
    Balance Transfer APR
    Balance Transfer Fee
    Annual Fee
    Credit Needed
    Fair Credit

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

Barclaycard Initial With 6m Purchases credit card summary

Barclaycard Initial with 6m Purchases credit card is ideal if you are trying to strengthen or rebuild your credit rating.  Initial has a representative APR of 34.9% and a manageable credit limit from £150- £1,200, plus 0% for 3 months on all Purchases.

Key features of this card

  • Representative 34.9% APR (variable)
  • 0% for 6 months on all Purchases
  • £1,200 credit limit (minimum £150)
  • Start with a low, manageable credit limit that may later be reviewed and increased
  • Identity Protection Service and Fraud Protection
  • Emergency cash advance and credit card replacement service
  • Online account management and 24 hour helpline
  • No annual fee
  • Stay on top of your spending with free text reminders, five days before payment is due

Acceptance criteria in addition to credit check

  • Aged 18 years or over
  • UK resident
  • Earn over £3,000 a year
  • Must not have been made bankrupt in the last six years, including IVA or Debt Relief Order
  • Must not have more than one County Court Judgement or have recently missed a bill payment
  • Must not currently hold a Barclaycard