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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.02 (122 reviews)

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4.02

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)

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

Thank you for helping me this year

Barclays credit card also has the best online and mobile service which is easy and very convenient to users. Thank you for a great year and happy new year. Regards Boris Reviewed on: 8th December 2018

Love it

I love how low the limit starts off at as I have never wanted a credit card in case I can’t pay anything back which isn’t the case as it’s a lot lower than what I thought! Reviewed on: 7th December 2018

Great service

Always does what it says and never let's you down. Best bank ive ever banked with. Reviewed on: 7th December 2018

As an international student..

I am a Korean who is roaming around the different countries in the world. I have used many bank services, to experience cultures. but Barclay is one of the best banking companies among I have used before. The security and the in and out service is the best. Thank you! Reviewed on: 7th December 2018

Great card

Never had any problems or any hidden surprises. Reviewed on: 8th November 2018

No problem with it over years

Never bother to change since I did not had problems with it. The only thing I would like to see improvement is in the case of fraud activity alert. The only stressful experience I have, they use a prerecorded machine message to alert me which in its case sounds suspicious. I would rather prefer an actual people to call and alert me instead Reviewed on: 1st July 2018

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