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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)

Never had a moments worry

I would have no hesitation in recommending to friends or family. I have had no problems at all and great customer service Reviewed on: 9th April 2018

Think about it.........................................!!

for an 18 year old the trusty old Barclaycard is the stuff of dreams.......................to a wordly 45 year old I still think back to the day that i took out that first bit of credit. Its a great way to up your credit score but this company will keep increasing that limit and you will keep taking it. If there was one thing I could say to my 18 year old self?? 'dont get a credit card'. Reviewed on: 5th April 2018

Great customer service and east to use app

A great credit card and can be easily managed on the app Reviewed on: 5th April 2018

Great for bad credit!

I use this card to build my credit rating and find it very useful! Reviewed on: 12th December 2017

Great

Great customer service. Easy to repay the instalments or to repay in total. Reviewed on: 8th November 2017

Fantastic

Easy to sign up to. Find out if you were approved pretty quickly. App makes it easy to keep track of your payments made so far and your balance Reviewed on: 3rd July 2017

It helped to build my credit score

It is a good credit card, with contactless service and also with a perfect app for mobile phones, and the app also support contactless mobile payment. Reviewed on: 30th June 2017

Very helpfull

Quick and easy to apply. My card came in about 2 weeks after apply and I'm useing it since then each time I need to do shoppings. Reviewed on: 30th June 2017

Easily applied

Easy to apply and get response in seconds. Reviewed on: 23rd June 2017

Not recommended

I feel that Barclays (barclaycard) exploit the vulnerable - they constantly advertise the initial credit card to people that have no or poor credit history. The advert itself is awful "they're barking" and it's not a company I would trust. Their sole interest is profit... ok fair enough they're a bank afterall, but I genuinely feel they don't care about getting people into debt. To put it simply I would never take out a barclaycard purely because I don't trust them as a company Reviewed on: 22nd June 2017

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