Select credit card

0% interest on purchases for 6 months

With no interest to pay for six months, you could save money on your business expenses, and ease the pressure on your cash flow.
Cashflow credit card

Representative APR 26.4% (variable)
Purchase rate p.a. 19.9% (variable)
Assumed credit limit £1200
Annual Fee £32, fee free for the first 12 months
Subject to application and status. The terms of your product may differ from the example

You could pay no annual fee every year if you qualify for our Fee Waiver, find out more below


What are the key benefits for my business?

0% interest on purchases for 6 months

Get 0% interest on all purchases made within the first 6 months of opening the account, saving you money on your business expenses, easing the pressure on your cash flow, and allowing you to spread the cost of larger items.

To keep your 0% rate, just make sure you stay within your credit limit and make at least your minimum payment on time each month. It’s also important that you clear your balance in full after the interest-free period ends, or you’ll be charged interest.

You could pay no annual fee, ever

Barclaycard Select credit card is fee free for the first 12 months. After which, if you spend £6000 or more on purchases or cash across the entire account during the previous year, on annual renewal all annual account fees will be waived for the following year.

Up to 56 days interest free credit

When your 6-month interest free period is up, you could still get up to 56 days interest free credit on your purchases if you pay off your balance in full. Which could be much better for your cash flow than paying immediately with cash or a cheque.

A convenient way to pay

The Select credit card is a more convenient and cost-effective way to pay for your business expenses. You don’t have to carry cash or cheques, or deal with lots of invoices. There’s just one statement, and one bill to pay.

Get even more for your business

These are just some of the other useful features and benefits of your new card.

Check mark

Card features and benefits

  • No paper statements. All the information is online, in one place, whenever you need it
  • Set individual cardholder limits and keep control of your spending
  • More convenient than cash or cheques. There’s no need to go to the bank, and you don’t have to keep a lot of cash on the premises
  • You can carry your balance over from one month to the next, if cash flow gets a bit tight. But remember to make your minimum re-payment each month.
Manage your business account online

Manage your business account online

  • View your business’ transactions including recent and declined to keep track of your business & employee spend
  • No paper statements. Your last 13 statements are available online
  • Manage your business and any employees easily with our online servicing portal.
Insurance shield

Insurance benefits

  • Cardholder misuse protection
  • 90 day purchase protection.
Find out more about this card’s insurance benefits

It’s worth checking the purchase protection section and cardholder misuse section of the Insurance Terms & Conditions , so you know what exclusions apply. 

Discount benefits

Discount benefits

  • Up to 66% off standard AA membership rates.
  • Up to 15% discount on all Ryman office supplies.
  • 20% off Reed Learning open training courses and qualifications.