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Barclaycard: Initial Credit Card reviews

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

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3.96

Based on 118 reviews, last reviewed 11th May 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 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.

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Barclaycard Initial Credit Card reviews (118)

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

The best card in Town.

This card is so easy to use and earn more while spending. Reviewed on: 31st January 2019

Good idea, needs some work

The initial card is a brilliant idea however Barclaycard don’t necessarily support new to credit customers in the ways that they may benefit. Reviewed on: 11th January 2019

The best initial credit card

Barclaycard is the best initial credit card to build credit history in the UK. Reviewed on: 31st December 2018

No hidden fees

It is excellent because it has no hidden fees, you only get charged if you don’t pay on time, transfer or withdraw, but you can do online shopping or in store shopping, use the card in different currencies and countries with no fees Reviewed on: 9th December 2018

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