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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.12 (118 reviews)

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3.99

Based on 118 reviews, last reviewed 11th May 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

61%

17%

11%

Latest highest rating:

5

Barclaycard tested and trusted! I have had my Barclaycard credit card for over 20 years and can say that they are a good company with good rates and offers for their customers. Excel... Read more Reviewed on: 2nd April 2025

Latest lowest rating:

1

Simple request denied, call disconnected, no follow up I asked for written confirmation of when my next direct debit was due. Now, you'd think that this would be a reasonable request and a very simple one ... Read more Reviewed on: 11th May 2025

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About this product

Barclaycard Initial Credit Card reviews can help you to find out about the pros and cons of the Initial Credit Card credit card. What kind of features do Barclaycard customers like? Find out more about the Barclaycard Initial Credit Card by reading our trusted Smart Money People reviews. You can also write your own Barclaycard Initial Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Barclaycard Initial Credit Card reviews (118)

Review of the Barclaycard, Initial Credit Card:

Easy to get in, annoying to get out

I had a barclaycard for a couple of years, initially got it for a balance transfer on an existing card with another bank. Unfortunately they didn't give me the full amount so while the amount on my barclaycard was minimal and interest free for 6 months, I was still paying a lot of interest on my other one so couldn't pay back as much as I wanted. The online banking was simple to use and very user friendly when it comes to paying off extra or setting up a direct debit. I couldn't fault that at all. Once the interest free period came around, they started increasing my limit every 6 months but I couldn't get the benefit of it as the 0% deal had expired and they refused to put it up during the initial 12 months. I eventually got a bank loan with another bank to consolidate my debts and trying to cancel this one was a massive pain. I couldn't do it online or in a branch, I had to do it over the phone. I was connected to a person completely devoid of any emotion. I said I wanted to cancel and then she started offering me all kinds of deals, I politely explained that the credit card had caused me nothing but financial difficulties and I wanted it completely cancelled. She kept throwing offers at me and ignoring the fact that I repeatedly said "there is absolutely nothing you can offer me to make me stay. Please cancel the card/account". After 5 minutes of her clearly reading from a script, she eventually cancelled. Whereas when I cancelled my halifax card, before she even offered me anything I just said "Please cancel it, it's caused me nothing but grief and I don't want another credit card again" and she laughed and said "no problem, i'll cancel that for you right away". Overall not a bad card but would have been nice for a bigger balance on the 0% deal and someone a bit nicer on the phone Reviewed on: 24th December 2015

Helpful

I have been with barclaycard for 8 years. Great customer service and friendly staff Reviewed on: 13th August 2021

Helpful

Helpful staff and good products Reviewed on: 28th June 2021

Good

Very easy to use not over complicated and safe Reviewed on: 2nd April 2021

ok

they are ok but they never increase my credit amount Reviewed on: 17th March 2021

Hard to use

Too many security questions to access online banking, but very easy to get large credit limit Reviewed on: 22nd February 2021

Great Credit-Card

I have a basic barclaycard and I am very happy with it. The rewards system is easy to understand as well. Reviewed on: 18th February 2021

Terrible for mobile banking.

The mobile app has always been pretty bad but the shortcomings have been amplified due to Covid. 1000's of people have struggled to pay their bills from within the app for months. None of the issues have been fixed yet. Reviewed on: 4th July 2020

Credit card review for Barclaycard

I have mixed views on this. The positives are that you can get quite a high credit limit if needed which is extendable, their phone call support system and website are quite responsive and helpful. The negative is the APR is a little higher compared to others. Also you do tend to get quite a few emails form them which could be considered a little spammy, but you can probably opt out of some of them. Reviewed on: 28th April 2020

Great

Never had any problems and it's easy to use. Reviewed on: 28th April 2020

Not worth banking

Staff not very friendly an ain't much help Reviewed on: 12th January 2020

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Barclaycard: Initial Credit Card reviews

No new 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Barclaycard Initial Credit Card reviews (118)

Easy to get in, annoying to get out

Helpful

Helpful

Good

ok

Hard to use

Great Credit-Card

Terrible for mobile banking.

Credit card review for Barclaycard

Great

Not worth banking

Do you have a different Barclaycard product?

Want to see more from Barclaycard?

Platinum Visa Business Credit Card

IHG Reward Club

Hilton Honors Credit Card

Join Smart Money People

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