Barclaycard Goldfish Credit Card

Treat yourself to a lifetime of rewards with Barclaycard Goldfish

Fancy earning rewards every time you spend using your credit card? Barclaycard Goldfish lets you do just that! You can turn your everyday spending into valuable rewards in the form of vouchers which can be redeemed and used in over 25 major high street retailers.

Earn 1 point for every £1 spent, the number of points you can earn is unlimited.

Choose this card and we'll also give you 0% interest on balance transfers for 6 months from opening your account, 2.9% handling fee applies. Terms and Conditions apply

Contactless payments

Barclaycard Goldfish MasterCard includes PayPass, letting you pay easily and quickly for purchases of £10 or less, wherever you see the PayPass symbol. You're most likely to find it at the places you want fast service – coffee shops, convenience stores and fast–food restaurants. Just touch your card to the reader; you don't even need to enter your PIN. With more and more retailers adopting PayPass technology it's the hassle–free way to pay.

You'll be one of the very first to have access to this easy, convenient service.

What Barclaycard Goldfish includes:

• Identity Protection Service - advice about protecting yourself from identity theft
• Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending
• Purchase Delivery Protection against loss or damage to online, phone or mail orders from despatch to door (second-hand goods and services excluded)
• Emergency help when travelling abroad
• Convenient online account management
• Emergency cash advance and credit card replacement service
• Opt in for text alerts five days before your payment is due
• 24 hour helpline

Important information

Barclaycard reserves the right to withdraw this offer at any time.

Terms and Conditions apply. Barclaycard is subject to application and status.

This offer is only available to new customers.

You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges info.

Barclaycard Goldfish Rewards

Quite simply, we believe it's one of the best rewards programmes on the market. You'll receive a point for every pound you spend, wherever you spend it. You can then redeem your points for vouchers to spend with one of the most recognisable brands in the UK. Terms and Conditions apply

And what's more, the number of points you can earn is unlimited, so you can really benefit from some great rewards. Points pile up fast and you can redeem treats and rewards whenever you want.

Based on the average UK household spend, using your Barclaycard Goldfish for all purchases could earn you an extra £156* in rewards a year.

It’s so easy

1. Spend and Earn - use your card for your everyday and larger purchases, every time you use your card to make purchases you will earn reward points.
2. Track - monitor your account and keep up to date with regular offers on our exclusive rewards website or via your monthly statement.
3. Redeem - treat yourself by exchanging your points for vouchers, which can be used in over 25 major high street retailers.

You choose when and how to unlock your rewards

You can exchange your points whenever you want to, so it's up to you whether you want to redeem them towards your Christmas spend or for another special occasion – you are in control!

There are so many ways to use your rewards:

• High Street Shopping - whether you're shopping for a gift or simply in the mood to treat yourself, the choice is yours.
• Home & Electrical - Improving your home? Looking for a new gadget? Our Home & Electrical partners are sure to have it covered.
• Travel & Leisure - Whether you're booking your next holiday or planning a trip to see the latest cinema release, there'll be something to tempt you here.

Think about our Goldfish Credit Card if you:

• Want a credit card that rewards you every time you make a purchase
• Have a good credit history
• Are 21 or over
• Have a permanent UK address for 3 months or more
• Have a regular income of more than £10,000 pa
• Don't already have a Barclaycard
• Haven't missed multiple payments on a credit agreement within the last 12 months
• Don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
• Aren't a student (are you a student?)

It's good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card

Other rates	Introductory Rates	Monthly Interest Rate	Annual Interest Rate
Purchases	N/a	1.313%	16.9%
Cash withdrawals	N/a	2.075%	27.9%
Balance transfers	0% for 6 months from account opening with a 2.9% handling fee on transfers made within 60 days of account opening on amounts up to £5,000	1.313%	16.9%

Purchases	From transaction date	Until paid in full
Cash withdrawals/Cheques	From transaction date	Until paid in full
Balance Transfers	From date of debit from your account	Until paid in full
	Even if you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month. You will not pay interest on Default Charges for 28 days, starting from the date that you are given notice of the Default Charge.

Monthly Repayment	Minimum repayment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£152.52	£131.43	£93.63
How much interest will be charged in the second year?	£136.64	£52.96	None
How long would it take to clear the balance?	19 years 4 months	2 years 2 months	1 year 1 month

Cancellation rights

You have a right to cancel this agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation on all rights, you may be required to pay interest or other charges under the terms of this Agreement.

Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.

Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP