Find the best credit card for you

Barclaycard Initial

Initial card image




Looking for your first card or have a limited credit history?

  • 0% interest on purchases for three months from account opening
  • Your account will be reviewed within 12 months and your interest rate will be reduced and your line of credit may be increased if you always pay on time and stay within your credit limit
To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended.

We'll reduce your interest rate within 12 months if you always pay on time and stay within your credit limit. Just remember that your standard and cash interest rates will move in line with the Bank of England Base Rate, so your rate might change before we reduce it (check barclaycard.co.uk/understanding-interest for more info).

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.





Representative example

Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% p.a (variable)
Assumed credit limit £1,200

Subject to application and status. The terms of your product, may differ from the example.

Apply now Check if I'm eligible

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box


Contact us if you’re having difficulty understanding

We can provide additional support for all customers including those with mental or physical health conditions or learning disabilities.

 


37 month balance transfer

Barclaycard Platinum credit card



Could be good if you'd like the most amount of flexibility to pay off your balance over time

  • 0% on balance transfers for 37 months (2.19% fee applies)
  • A fee of 3.5% will be applied, then reduced to 2.19% by a refund terms and conditions apply
  • Lower fee ends 14 February 2016
  • 0% interest on purchases for 6 months from account opening
  • You could use the money you save on interest to reduce the amount you owe
To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.


Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.

Apply now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support for all customers including those with mental or physical health conditions or learning disabilities.

 


Platinum purchase card

Barclaycard Platinum credit card




Our great all rounder with 0% for 20 months on purchases and balance transfers

  • 0% on purchases and balance transfers for 20 months (0.9% fee applies)
  • A fee of 3% will be applied, then reduced to 0.9% by a refund terms and conditions apply
  • Lower fee ends 14 February 2016



To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended. If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate has expired unless you repay your balance in full.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.

Apply now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support for all customers including those with mental or physical health conditions or learning disabilities.

 


Our most accessible balance transfer

Barclaycard Platinum credit card




Great if you've built an average credit history and are looking for a balance transfer

  • 0% interest on balance transfers for 18 months from account opening (2.69% fee applies)
  • A fee of 2.99% will be applied, then reduced to 2.69% by a refund  terms and conditions apply
  • Lower fee ends 14 February 2016
  • 0% interest on purchases for 3 months from account opening


To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended. If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate has expired unless you repay your balance in full.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.

Representative example

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200
The credit limit, APR & offer terms may vary with individual circumstances, subject to status.

Apply now Check if I'm eligible

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box        Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide  additional support  for all customers including those with mental or physical health conditions or learning disabilities.

 


32 month balance transfer

Barclaycard Platinum credit card
 

Could be good if you want a lower fee and are happy with a bit less time to pay off your balance

  • 0% on balance transfers for 32 months (1.08% fee applies)
  • A fee of 3.5% will be applied, then reduced to 1.08% by a refund (terms and conditions apply)
  • Lower fee ends 14 February 2016
  • 0% interest on purchases for 6 months from account opening
  • You could use the money you save on interest to reduce the amount you owe
To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.


Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.

Apply Now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support  for all customers including those with mental or physical health conditions or learning disabilities.

 

28 month balance transfer

Barclaycard Platinum credit card
 

0% interest on balance transfers for 28 months, 0.9% balance transfer fee applies

  • 0% on balance transfers for 28 months (0.9% fee applies)
  • A fee of 3.5% will be applied, then reduced to 0.9% by a refund terms and conditions apply
  • Lower fee ends 14 February 2016
  • 0% interest on purchases for 6 months from account opening
  • You could use the money you save on interest to reduce the amount you owe
To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.


Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.


Apply Now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support  for all customers including those with mental or physical health conditions or learning disabilities.

 

26 month balance transfer

Barclaycard Platinum credit card

Could be good if you want a lower fee and need less time to pay off your balance


  • 0% on balance transfers for 26 months (0.68% fee applies)
  • A fee of 3.5% will be applied, then reduced to 0.68% by a refund terms and conditions apply
  • Lower fee ends 14 February 2016
  • 0% interest on purchases for 6 months from account opening
  • You could use the money you save on interest to reduce the amount you owe
To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.


Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.

Apply Now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support  for all customers including those with mental or physical health conditions or learning disabilities.

 

20 month balance transfer

Barclaycard Platinum credit card
 

  • 0% on balance transfers for 20 months (0% fee applies)
  • A fee of 2% will be applied, then reduced to 0% by a refund terms and conditions apply
  • 0% interest on purchases for 6 months from account opening
  • You could use the money you save on interest to reduce the amount you owe
To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.


Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.

Apply Now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support  for all customers including those with mental or physical health conditions or learning disabilities.

 

3 year balance transfer

Barclaycard Platinum credit card
 

0% interest on balance transfers for 3 years, 1.99% balance transfer fee applies

  • 0% on balance transfers for 3 years (1.99% fee applies)
  • A fee of 3.5% will be applied, then reduced to 1.99% by a refund terms and conditions apply
  • Lower fee ends 14 February 2016
  • 0% interest on purchases for 6 months from account opening
  • You could use the money you save on interest to reduce the amount you owe
To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest .

Your new account will automatically be set up with paperless statements so that you can manage your account online. You can choose to receive paper statements at any time in Barclaycard online account servicing.


Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR & offer terms may vary with individual circumstances, subject to status.


Apply Now

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards .

Read summary box
Read balance transfers terms and conditions

Contact us if you’re having difficulty understanding

We can provide additional support  for all customers including those with mental or physical health conditions or learning disabilities.

 

It’s important you understand how your Barclaycard works. If you miss payments or go over your credit limit you could incur additional costs through interest and charges. So, please make sure you’ve read and understood the terms and conditions  before you apply. Visit our FAQs  if you have further questions.