Bhs MasterCard

At Barclaycard we have a partnership credit card with Bhs that offers you great rewards.

Shopping has never been so rewarding

With the Bhs MasterCard you can turn everyday spending into Bhs vouchers, and redeem them for stylish Bhs homeware, womenswear, menswear and so much more.

You can earn 1 point for every £1 you spend anywhere and 5 points for every £1 you spend in Bhs (500 Bhs Reward points earns you a £5 Bhs voucher). We’ll also give you double points on your first Bhs purchase e.g. spend £50 in store and earn a £5 Bhs voucher. Plus you can save 20% off your purchases at exclusive Bhs event days.

Why not earn Bhs vouchers from your everyday spending?

The average family spends £76.50 on their weekly groceries and transport*. If you used your Bhs MasterCard you could earn £10 worth of Bhs vouchers every 3 months! (Bhs vouchers are sent to you every quarter with your loyalty statement). So, whether you're filling up the car with petrol,or doing your weekly shop, you’ll soon be turning your everyday spend into Bhs vouchers.

Want even more?

When you take out a Bhs MasterCard you'll get three 0% offers to get you started including:

• 0% interest on balance transfers for 9 months made within 60 days of account opening (2.99% handling fee applies)
• 0% interest on Bhs purchases for 6 months from account opening
• 0% interest on all other purchases for 3 months from account opening

Important information

Bhs Credit Card reserves the right to withdraw this offer at any time. Bhs Credit Card is subject to application and status. Terms and Conditions apply.

*Office for National Statistics. Family Spending 2008 Edition. Transport includes petrol, diesel and other motoring oils, rail, tube and bus fares. Groceries includes food and non-alcoholic drinks.

Think about Bhs MasterCard if you:

• Want a credit card that rewards you every time you make a purchase
• You are aged 18 or over
• You are not a student
• You haven’t missed payments on a credit card, loan or mortgage in the last 12 months
• You have no history of bankruptcy or defaulted credit agreements
• You haven’t had any County Court Judgements (CCJs) or Individual Voluntary Arrangements (IVAs) in the past 5 years
• You haven’t recently applied or been declined for the Bhs Mastercard

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Interest rates	Introductory Rates	Monthly interest rate	Annual interest rate
Purchases	0% interest on Bhs purchases for 6 months from account opening. 0% interest on non Bhs purchases for 3 months from account opening.	1.457%	18.9%
Cash Advances	N/a	2.207%	29.9%
Balance transfers	0% interest for 9 months on balance transfers made within 60 days of account opening with a handling fee of 2.99% on amounts up to £5,000	1.457%	18.9%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£119.38	£97.69	£56.70
How much interest will be charged in the second year?	£142.60	£53.28	£0
How long would it take to clear the balance?	17 years, 11 months	2 years, 1 month	1 year, 1 month

Bhs MasterCard balance transfer terms and conditions

1. You can transfer up to £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer.
3. A 2.99% handling fee will apply to each 0% interest balance transfer you make.
4. We can’t accept transfer from cards or loans issued by companies within the Barclays Group.
5. If you choose to close your account with other lenders, please let them know in writing.
6. You should continue to make payments to other lenders until the balance has been confirmed.
7. At the end of their promotional periods, Promotional Balances will be transferred to the Standard Balance and the standard rate will apply unless they relate to cash transactions in which case they will be transferred to the Cash Balance and the cash rate will apply.
8. We will transfer Promotional Balances to the Standard Balance or the Cash Balance (as relevant) at the end of the promotional period and also if you break this agreement.
9. We will also apply the standard rate (or cash rate if applicable) to Promotional Balances before the end of their promotional periods if you do not make at least your minimum payment by the payment due date or if you exceed your credit limit at any time.
10. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Bhs Credit Card account. Please see summary box and Bhs Credit Card conditions about allocation of payments.