Barclaycard Goldfish Credit Card

  • 0% interest on purchases for 3 months from account opening
  • £30 worth of extra reward points when you spend £100 a month for 3 months from account opening. Terms and Conditions apply
  • Lowest interest rate of any other rewards cards*
  • Unlimited reward points – Earn 1 point for every £1 you spend
  • With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
  • 9.9% APR typical (variable)

Treat yourself to a lifetime of rewards with Barclaycard Goldfish

Get something back every time you spend. With the Barclaycard Goldfish credit card you can turn everyday spending into valuable rewards in the form of vouchers, which you can then redeem at over 25 well known brand names.

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

When you spend £100 a month or more, for the first 3 months of opening your account we will give you extra reward points, worth £30 in vouchers. That's 7,500 points credited straight to your account in your 4th month for you to redeem immediately. For every balance transfer you make over £1,000 we will give you an extra 100 points. Terms and Conditions apply

Plus 9.9% interest on every purchase and balance transfer you make (no handling fee applies). Terms and Conditions apply

Why use any other credit card for your weekly purchases?

Have you ever thought how much you spend a week on your everyday purchases like transport, recreation, food and clothing?  If you switch your weekly purchases to the Barclaycard Goldfish credit card you could earn £120** or more worth of vouchers in the first year.

* Based on www.moneysupermarket.com on 4th January 2010.

** Based on 2007 average UK household expenditure of £23,868 per year. source: main commodities & services, office for National Statistics plus £30 of incentive vouchers.

Contactless payments

Barclaycard Goldfish includes contactless payment technology, a new, quick and easy way to pay for purchases of £10 or under - Find out more

What Barclaycard Goldfish includes:

  • Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
  • Identity Protection Service - advice about protecting yourself from identity theft
  • Safer shopping with Fraud Monitoring including Chip and PIN and monitoring your account for unusual spending
  • Purchase Delivery Protection peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
  • Worldwide Assistance - emergency help when travelling abroad
  • Travel Service- pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
  • Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
  • Emergency Card Replacement and Cash Advance - replacement card and cash advances if your Barclaycard goes missing
  • Free Text Alert Service - opt in for text alerts five days before your payment is due
  • 24 hour Customer Service Assistance

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.

 

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Barclaycard Goldfish Rewards

We believe it's one of the best rewards programmes on the market. You'll receive 1 point for every pound you spend, wherever you spend it. You can then redeem your points for vouchers to spend at over 25 well known brand names. Terms and Conditions apply

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 £90* 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 at over 25 well known brand names.

*Based on 2007 average UK household expenditure of £23,868 per year. source: expenditure and food survey, office for National Statistics.

Argos logo
Boots logo
Cineworld logo
Currys logo
Currys Digital logo
Debenhams logo
Halfords logo
HMV logo
Homebase logo
John Lewis logo
Leisure Vouchers logo
Marks & Spencer logo
Mothercare logo
Next logo
Odeon logo
PC World logo
Pizza Express logo
Showcase logo
Superbreak logo
Ticketmaster logo
The Virgin Voucher logo
Vue logo
Waitrose logo
Waterstone's logo
WH Smith logo
 
 

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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 rating
  • You have no history of bankruptcy
  • You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
  • You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
  • Don't already have a Barclaycard
  • Have had a permanent UK address for 3 months or more
  • Have a regular income of more than £20,000 pa
  • Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
  • Are aged 21 or over

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It's good to know the plain facts about this Barclaycard. This Summary Box gives you clear information about the key features of the card and does not replace any terms and conditions.

APR

Typical 9.9% APR (variable)

Interest rates Introductory rates Monthly interest rate Annual interest rate
Purchases 0% for 3 months from account opening 0.793% 9.9%
Cash withdrawals N/a 1.233% 15.8%
Balance transfers N/a 0.793% 9.9%

Interest free period

Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month.

No interest free period on balance transfers, cash withdrawals or Barclaycard cheques (subject to any interest free promotional offer).

Interest charging information

If interest is payable, it will be charged from the date the transaction is debited to your account until it is paid in full.


As interest is charged until the date of full repayment, this means that you may receive a further interest charge the following month even though you have paid your current statement balance in full.


Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.

Allocation of payments

Payments you make will reduce your balance in the following order:

 

  1. Default Charges
  2. Promotional balance transfers
  3. Promotional purchases
  4. Purchases, balance transfers and other charges
  5. Cash withdrawals

 

Please see the Barclaycard conditions for further details.

Minimum repayment

2.25% or £5, whichever is greater. If you only make the minimum payment it will take longer and cost you more to clear your balance.

Credit limit

Minimum credit limit :     £250

 

Maximum credit limit:     Subject to status

Fees

No annual fee

Charges

  • Cash withdrawals: 2.5% (min. £2.50)
  • Balance transfers: 3% (min. £3.00) unless we tell you otherwise
  • Overseas transactions: 2.75%
  • Copies of statements: £3.00

Default charges

  • Late payment: £12
  • Over credit limit: £12
  • Returned payment: £12

You can avoid additional charges. Please stay within your credit limit and ensure that your payments are received on time.

 

Pay less interest by repaying more each month

The examples below show how long it would take you to repay a purchase of £1,000 made with your Barclaycard:

Monthly payment Minimum payment each month £50 each month £100 each month
How much interest will be charged in the first year? £64.30 £51.65 £30.42
How much interest will be charged in the second year? £73.52 £24.34 None
How long would it take to clear the balance? 13 years 6 months 2 years 1 year 1 month

The following assumptions have been made:

  • You are charged the standard 9.9%. However, the examples take account of any introductory promotional purchase rate.
  • When you make the purchase you do not exceed your credit limit.
  • Calculation excludes Payment Protection Insurance.
  • £1,000 purchase is debited to your account on 1st January 2010 and no further transaction made.
  • You make a payment each month on the payment due date. Your mininum payment is 2.25% or £5, whichever is greater.

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

 

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