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At least 8 out of 10 customers accepted last month received the longest promotional period for this card. This depends on your credit history and how you’ve managed credit in the past. For the remaining customers we may offer you

• 0% for up to 22 months with 31.9% APR variable
• 0% balance transfer for up to 11 months with 31.9% APR variable 
• 0% purchases for up to 12 months with 31.9% APR variable

The balance transfer fee will remain the same and of course if you’re not happy with an alternative you don’t have to go ahead with it.

And remember, the 22 month balance transfer and 22 month purchase offer periods start from the date the account is opened. That means if, for example, you don’t take it out for 60 days you’ll have 2 months less of the 0% rate. 

• To benefit from the balance transfer offer it needs to be taken out within 60 days of opening the account
  
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• The balance transfer period starts from the date the account is opened. That means if, for example, you don’t take it out for 60 days you’ll have 2 months less of the 0% rate.
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• This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time.
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• The minimum you can transfer is £250 across up to five different balance transfers. The maximum amount can vary, depending on your individual credit limit and the existing balance on your Barclaycard. We’ll let you know the maximum amount you can transfer if your application is successful.

• You can only transfer balances from cards issued by other banks, not from any other Barclaycard or any of our partner-branded cards. 
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• When your 0% offer ends you’ll be charged interest at your standard rate for anything new you buy and for any outstanding balance on your card.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate or for other reasons that we’ve explained in your Terms and Conditions. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest.

Your new account will be set up with digital statements. These can be found in your online Barclaycard account, which you will need to register for.  You can choose to switch to paper statements at any time.

This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time. 

• You’re more likely to be accepted for this card if you:-
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• Are aged 21 or over
• Haven't had any 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 commitment

Making lots of credit applications can actually make your credit rating worse. So before you apply you can use our eligibility checker to see how likely you are to be accepted for a card without affecting your credit rating.

• Address details for the last two years
• Phone number and e-mail address
• Current employment details
• Details of your annual income before tax
• Details of your monthly income after tax
• A good idea about your monthly outgoings
• Main bank account sort code and account number
• In some situations, if your application is accepted you will need to provide copies of your last two bank statements or payslip

Before you go ahead, make sure you've read and understood the summary box and balance transfer terms and conditions. Also, understanding how fees and offers work can help you to manage your account. So make sure you’re up to speed on the types of fees we may charge you and how promotional rates work.