Flexi-Rate® Summary Box

If you don't always settle your bill in full every month, this card helps you lower the amount of interest you pay on the balance.

Suits you if you:

Don't pay off the balance on your credit card every month
Have a good credit history
Are 21 or over
(under 21?)
Have a permanent UK address for 3 months or more
Have a regular income of more than £10,000 pa
Haven't missed multiple payments on a credit agreement within the last 12 months
Don’t have a CCJ,IVA or have not been registered bankrupt
Aren't a student
(student?)

View balance transfer terms and conditions

Summary Box

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.

APR	Typical 14.9% APR (variable)
Other rates	Introductory Rate	Monthly Interest Rate	Annual Interest Rate
Purchases	0% on purchases for 10 months from account opening	From 0.793% to 1.167%	From 9.9% to 14.9%
Cash Advances	n/a	2.075%	27.9%
Balance Transfers	0% for 10 months on amounts up to £5,000. 2.5% handling fee.	From 0.793% to 1.167%	From 9.9% to 14.9%
Interest free period	Maximum 56 days on purchases if you pay in full and on time each month, during the first six months. No interest free period on balance transfers, cash withdrawals or cheques. This is subject to any interest free promotional offer.
Interest charging information	You will not pay interest on purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged is as follows:
	from	until
Purchases	transaction date	paid in full
Cash withdrawals	transaction date	paid in full
Balance transfers	date of debit from your account	paid in full
Allocation of payments	Payments you make will reduce your balance in the following order: Promotional balance transfers and fees Promotional purchases Interest, fees and charges Standard rate purchases and balance transfers Cash Balance
Minimum Monthly repayment	2.25% or £5 per month (whichever is greater). If you only make the minimum payment each month it will take you longer and cost you more to clear your balance.
Amount of credit	Minimum credit limit of £250, maximum credit limit is subject to status.
Fees	No annual fee
Charges	Cash : 2.5% (min. £2.50) Balance transfers and cheques : 2.5% unless we tell you otherwise Overseas transactions: 2.75% Copies of statements: £3.00 Copies of transactions: £5.00
Default charges	Late payment fee: £12 Over credit limit fee: £12 Returned payment: £12 You can avoid paying additional charges. Please stay within your credit limit and ensure that your monthly payments are received on time.
Pay less interest by repaying more each month. The example below assumes the following:
£1,000 purchase on 1st July 2007 and no further transactions made Typical rate of 14.9% APR variable is charged Credit limit is not exceeded		Minimum repayment of 2.25% or £5 (whichever is the greater) is made Payment is made each month on payment due date Calculation excludes Payment Protection insurance Calculation includes introductory rate on purchases
Monthly Repayment	Minimum repayment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£18.90	£10.73	n/a
How much interest will be charged in the second year?	£105.16	£21.76	n/a
How long would it take to clear the balance?	16 years 3 months	1 year 10 months	11 months

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 cancelllation, 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

Summary Box

Suits you if you:

Summary Box

Pay less interest by repaying more each month.

Current customers

Transfer a balance

Not sure which card is right for you?

Card Protection