Balance transfer credit cards

If you’re paying interest on credit cards or store cards, you could save money with a Barclaycard 0% interest balance transfer credit card. They let you transfer your existing balance from several other credit cards to a single card. So you could save money on the interest you’re currently paying. It’s a great way to pay down the balance on your other cards faster.

There’s a range of cards to choose from – depending on your needs. Some offer longer interest-free introductory periods, while others offer 0% interest on purchases. Some will even allow you to transfer your balance without charging a fee. We usually charge a fee for the balance transfer, which we’ll tell you about before you apply.

Just remember – they’re only available to new customers who don’t already have a credit card provided by us or one of our partners. Plus, you have to make the transfers within 60 days to benefit from the 0% offer.

With your new Barclaycard, you can get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free. Continues as paid subscription after trial. UK only, T&Cs apply.

Up to 29 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 29 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • 2.69% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

Up to 28 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 28 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • 1.6% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

Up to 27 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 27 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • 1.15% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

Up to 24 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 24 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 6 months from the date you open your account
  • 0.9% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

 

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

Up to 20 month balance transfer and up to 22 month for purchases

A flexible card you can use for balance transfers and purchases.

  • 0% interest on purchases for up to 22 months from the date you open your account
  • 0% interest for up to 20 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 2.9% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

No fee up to 15 month balance transfer Platinum card

Could be good if you're looking to transfer a balance but you don't want to pay a fee.

  • 0% interest for up to 15 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 6 months from the date you open your account
  • 0% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example - most accepted customers get

Representative APR
21.9% APR (variable)
Purchase rate
21.9% p.a. (variable)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

How a balance transfer could work

Let's say you have £1,500 worth of debt on a credit card with another bank and you’re paying 24.9% interest on your balance. You could transfer that debt to a Barclaycard balance transfer credit card, as long as the amount isn't over 90% of your credit limit.

You'll then enjoy 0% interest during your promotional period, as long as you pay your minimum amount on time each month and stay within your credit limit.

The extra money you’d save on interest could then be used to reduce your debt.

Want to learn more? Take a look at our balance transfer explained page.

What else you get with Barclaycard

Every Barclaycard comes with features and benefits to help you get the most out of life - from our handy Barclaycard app (You need to be 16 or over to use the app. T&Cs apply) to savings on selected events T&Cs apply. Here a just a few of the valuable features you can expect:

a convenient banking app to help you manage your money on the move

fraud-prevention features including 24/7 monitoring to keep your money safe

presale tickets to shows so you can see the shows you want

purchase protection if you buy something that’s faulty or damaged when you receive it. This applies to every UK credit card

help and support by phone or online.

Get four Apple subscriptions, free for up to five months. Continues as paid subscription after trial. UK only, T&Cs apply.

Discover the full range of features and benefits built into every Barclaycard we offer.

Are these the right cards for you?

Balance transfer cards can be a great way to pay off existing credit card debt. Here are the basic criteria usually required to be approved. They include:

  • aged 21 or over
  • no Individual Voluntary Agreements, County Court Judgements, and haven't been declared bankrupt in the past six years
  • always make payments on time
  • have at least four years' experience of managing credit
  • have had a permanent UK address for at least two years
  • have a personal income of more than £20,000 per annum
  • are able to afford repayments on any outstanding credit commitments.
  •  
  • If you want to see if you’re eligible before you apply, you can use our eligibility checker without affecting your credit rating.