Balance transfer credit cards

Balance transfer credit cards


0% interest balance transfer credit cards explained

If you’re paying interest on other credit or store cards, you could save money with a Barclaycard 0% interest balance transfer credit card.
 
We usually charge a fee for the balance transfer, which we’ll tell you about before you apply. Balance transfer cards are only available to new customers who don’t already have a credit card provided by us, including one of our partner cards.
 
Here’s an example of how the balance transfer could work.

Use balance transfer calculator


42 month balance transfer Platinum card

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

  • 0% interest for 42 months on balance transfers made within 60 days of opening your account
  • 2.99% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. (T&Cs apply)
  • Offer ends 6 February 2017

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


40 month balance transfer Platinum card

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

  • 0% interest for 40 months on balance transfers made within 60 days of opening your account
  • 1.93% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 6 February 2017. (T&Cs apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


Our longest dual offer card

Could be good if you want our longest duration card for both balance transfers and purchases.

  • 0% interest on purchases for 27 months from the date you open your account
  • 0% interest for 27 months on balance transfers made within 60 days of opening your account (2.49% fee applies)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


Our great all-rounder Platinum card

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

  • 0% interest on purchases for 25 months from the date you open your account
  • 0% interest for 25 months on balance transfers made within 60 days of opening your account (1.49% fee applies)
  • Get £20 cashback when you spend at least £500 or transfer a balance of £500 or more within 60 days of opening your account. Offer ends 6 February 2017. (T&Cs apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


32 month balance transfer Platinum card

Could be good if you want a lower fee than our longest duration balance transfer cards.

  • 0% interest for 32 months on balance transfers made within 60 days of opening your account
  • 0.63% balance transfer fee (terms apply)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 6 February 2017. (T&Cs apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


No fee 24 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 24 months on balance transfers made within 60 days of opening your account
  • 0% balance transfer fee (terms apply)

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


18 month balance transfer Platinum card

Great if you’ve built an average credit history and you’re now looking for a balance transfer.

  • 0% interest for 18 months on balance transfers made within 60 days of opening your account (2.99% fee applies)
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 6 February 2017. (T&Cs apply)

Representative example

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200
Annual Fee No annual fee

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.


Freedom Rewards card with purchase offer and balance transfer 

Every time you spend on your card you’ll earn Freedom points, which you can redeem for great rewards.

  • 0% interest on purchases for a year from the date you open your account
  • 0% interest for a year on balance transfers made within 60 days of opening your account (0.15% fee applies)

Representative example

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

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.