Helping you move forward
Our cards could help you improve a bad credit score, or start building your credit history from scratch over time. Our price promise means we’ll reduce your interest rate over the first two years – you just need to make at least the minimum payment each month.
If you manage your account well, by doing things like staying within your credit limit and making at least the minimum payment each month, you could improve your credit rating over time. But if you don’t manage your account properly, you could harm your rating.
Check your eligibility before you apply to see if you could be successful, without impacting your credit score.
Representative 33.9% (variable)
Purchase rate p.a. 33.9% (variable)
Based on credit limit of £1,200
The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.
A wide range of features, tools and handy extras awaits. Here are some of them.
Convenient banking in our apps
Pay bills, check balances, and manage your accounts, safely and securely with our apps.
Lots of help and support
You can call us from our apps at anytime – it’s easy to get in touch.
Your purchases are protected as standard
Pay with Barclaycard and, as with any credit card, your purchases over £100 could be protected if they’re faulty or damaged when you receive them.
Fraud-prevention features
Your account gets 24/7 monitoring – we’ll text or call you within 60 seconds if we see any suspicious activity.
Make some noise for exclusive Entertainment perks and surprises, including early access and 10% off tickets for selected festivals and events in our customer-only presales. All you need is your Barclaycard to enjoy them.
Get rewarded for your everyday spending. We’ll give you cashback on new, eligible purchases1 made with Barclaycard Rewards, or you can collect Avios to spend on flights, hotels and more with Barclaycard Avios credit cards.
80.1% APR Representative (variable)
Subject to application, financial circumstances and borrowing history. T&Cs apply.
Choosing between spreading the cost of purchases or earning rewards.
28.9% APR Representative (variable)
Subject to application, financial circumstances and borrowing history. T&Cs apply.
Take control of your debt
Focus on the future with a personal Loan
Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.
Registered office for all: 1 Churchill Place, London E14 5HP
