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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 3.6 (122 reviews)

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3.60

Based on 122 reviews, last reviewed 17th Apr 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

17%

11%

Latest highest rating:

5

Excellent company Realy easy to apply i received my decision very quickly. There customer service team are helpful Reviewed on: 17th April 2026

Latest lowest rating:

2

Inflexible I found them inflexible and unhelpful dealing with issues. If you have financial difficulties there is no flexibility Reviewed on: 16th April 2026

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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.

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Barclaycard Initial Credit Card reviews (122)

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

rubish

happily lend too much to people who cannot afford it Reviewed on: 20th November 2019

Bunch of idiots

Barclaycard claim to offer a first class service to ALL their customers - what a load of rubbish - go with someone else - it will be much easier, trust me Reviewed on: 17th October 2019

A great credit card to have if you are not good on credit

They have good interest and credit limits on this card. They will not let you go over and tell you when you have spent over Reviewed on: 23rd June 2019

Always spot-on

Had to call several times to sort out balance transfers, card management, reactivating account and they are always very efficient, don't have to speak to lots of different departments, generally sort things out straight away. Reviewed on: 4th June 2019

Never had a problem

Several years ago, I was trying to sort my finances out from utter chaos & managed to get a Barclaycard which also offered me a transfer to a 0% rate for X months. I took the card & the transfer & set a standing order to pay as much as I could over the minimum payment, regularly every month. Since then, I haven't looked back. Barclaycard always have offers on for loyal customers, the fact that I can transfer to that card & make regular payments saved me money on interest over the whole period & helped me pay off my debts, manage my credit in a more controlled, responsible manner & also to build my credit score. Periodically, they increased my limit, which allowed me to shift more debts to them, using the same "as much as you can afford, but more than the minimum payment " mantra I had adopted. I have now brought around £25,000 worth of debt down to about £7,000 - which also includes the following purchases in the last 12 months - new oven, new boiler, a new bathroom, double glazing throughout the whole house & guttering & fascias all replaced. These essentials would have been impossible had I not been able to bring that debt down initially & the positive impact on my credit score meant that I was able to secure a mortgage & buy a house. Even when I made a purchase on my card, customer services arranged to move that amount to a "lifetime" rate, which benefitted me as a customer. Reviewed on: 16th May 2019

great 1st card

great 1st card to help build credit Reviewed on: 15th April 2019

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