Credit building credit cards

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.

Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open your account
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative33.9% (variable)

Purchase rate p.a.33.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

What benefits do you get with Barclaycard?

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.

Barclaycard Entertainment

Access to exclusive festival presales and 5% savings on tickets to over 3,500 live events.

Choose a card or loan that suits you best

Rewards credit cards

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.

72.4% APR Representative (variable)
Subject to application, financial circumstances and borrowing history. T&Cs apply.

Purchase credit cards

Choosing between spreading the cost of purchases or earning rewards.

23.9% APR Representative (variable)

Subject to application, financial circumstances and borrowing history. T&Cs apply.