Credit building credit cards

Credit building credit cards | Credit building credit cards explained: If you’re looking for your first credit card or you’ve got limited credit history, our credit building credit cards could help you gradually build your credit rating. It’s just important that you understand how they work. If you manage your account well, by doing things like staying within your credit limit and making at least the minimum payment each month, you can improve your credit rating over time. But if you don’t manage your account properly, you could harm your rating.

Barclaycard Initial credit card
Are you looking for your first credit card, or do you have a limited credit history?

  • Credit limit of £150-£1,200 subject to status
  • 0% interest on purchases for six months (usually three months) from account opening. Offer ends 4 September 2016

Representative example
Representative APR 34.9% APR(variable)
Purchase rate p.a. 34.9% p.a.(variable)
Assumed credit limit £1,200
Annual FeeNo annual fee


Barclaycard 18 month balance transfer Platinum card
Great if you’ve built an average credit history and you’re now looking for a balance transfer.

  • 0% interest on balance transfers for 18 months
  • 2.99% balance transfer fee (terms apply)

Representative example
Representative APR 24.9% APR(variable)
Purchase rate p.a. 24.9% p.a.(variable)
Assumed credit limit £1,200
Annual FeeNo annual fee