Barclaycard Initial Credit Card

The Barclaycard Initial Credit Card is ideal for almost anyone who wants to keep it simple. The flat rate and online access makes it easy to maintain your account and monitor your credit, while crafty technology also keeps your information safe and your identity secure.

	Intro APR  Representative Variable APR Annual Fee  N/A* 29.90%* £0.00*
Basic Information
Issuer:	Barclays Bank
Card Network:	VISA®
Card Category:	Consumer (Regular)
Card Type:	- Card for Bad Credit - Instant Decision Card - Reward Card
Credit Needed:	Limited*
Top Card Review
The Barclaycard Initial is a simple card that makes it easy to stay on top of your credit. There is one flat interest rate that applies to balance transfers, cash advances, and standard purchases, so you never have to worry about how your payments are applied. You can use your card for anything that you need, unlike some cards that are more appropriate solely for balance transfers, for example. You may also appreciate that Barclaycard Initial makes maintaining your account easy too. You can check out your information online and you also have an option for contactless payments. Each card has its own Chip and Pin system too, which keeps you safe from both fraud and identity theft.
Card rating:	(4.5 out of 5)
Most attractive features:	- Card for Limited credit holders - No annual fee - Rewards program - Additional benefits
Least attractive features:	- High APR
Top Rewards & Benefits
Reward Types:	- Cash Back Reward Cards - Other Rewards Cards
Reward Unit:	Cash
Rewards:	- 1% of the value of your purchase in Reward Money (0.5% at Shell) in participating retailers. - Barclaycard Unwind puts some of the best live music at your fingertips
Expiration:	None*
Yearly Limit:	None*
Other Benefits:	- mybarclaycard - Contactless payments - Chip and PIN protection See Terms and Conditions of the Card for more benefits
Online Card Account Access:
Top Card Finance & Rates
Introductory APR (%):	N/A*
Introductory Period:	N/A*
APR on Purchases (%):	29.90% APR representative variable
APR Type:	variable
Annual Fee:	£0.00*
Grace Period:	Up to 56 days*
Maximum Credit Line:	£1,200*
Late Payment Fee:	£12.00*
Over Limit Fee:	£12.00*
Top Balance Transfers
Balance Transfer:
Transfer Fee (%):	2.50% of each balance transfer
Minimum BT Fee:	£2.50
Top Cash Advances
APR on Cash Advances (%):	29.90%
Cash Advance Fee (%):	2.50%
Minimum Fee:	£5.00
Top Other Fees
Additional Fees	- Overseas transactions: 2.75% - Copies of statements: £3.00 - Returned payment: £12.00
Top Comments
An Initial Credit Card could be right for you, if: - You have a limited credit history - You earn more than £10,000 a year - You're on the electoral roll at your current address An Initial 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 registered against you in the last 5 years - You are already a Barclaycard customer
Top Action
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* The information provided for Barclaycard Initial Credit Card is believed to be accurate at the time of evaluation (Aug 20, 2011). We strongly advise visitors to review the terms and conditions provided to verify accuracy of the information posted prior to applying for the product.


Security Note: Online application features Secure SSL Technology.