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0% interest balance transfer for up to 18 months (2.99% transfer fee)

Representative example – most accepted customers get

Representative APR
24.9% APR
(variable)
Purchase rate
24.9% p.a.
(variable)
Based on a
£1,200
credit limit

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

Our most accessible 0% balance transfer credit card for people with an average credit rating  

  • Barclaycard offer

    • 0% interest on balance transfers for up to 18 months which starts on the date you open your account (2.99% fee applies). Terms and conditions apply which you can find in the important info section below.
    • 0% interest on purchases for 3 months from the date you open your account
    • Exclusive savings on live events with Barclaycard Entertainment
    • Manage your account online or through the Barclaycard app
  • Why is 'up to' 18 months?

    • Being accepted for a card depends on your credit history and how you’ve managed credit in the past. At least 8 out of 10 customers accepted last month were offered the best rate for this card. Depending on your individual circumstances we may offer you an APR of 29.9% APR variable. Of course if you’re not happy with this alternative you don’t have to go ahead with it.
    •  
    • And remember, the 18 month 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.
  • Important info about your balance transfer offer

    • To benefit from the balance transfer offer it needs to be taken out within 60 days of opening the account
    •  
    • The 18 month 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.
    •  
    • This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time.
    •  
    • 0% sounds like a good offer. And it can be, but only if you’re sure you’ll be able to manage your account properly. By this, we mean staying under your credit limit and paying at least your minimum amount on time every month. If you don’t manage your account properly, you’ll lose your promotional rate and it could have an effect on your credit rating. You can find out more info on how promotional rates work and what you need to do to keep them. 
    • If you take advantage of the 0% balance transfer offer a fee of 3.5% will be applied to your account but you'll only pay 2.99% as we'll refund the difference. Don't worry the refund will happen automatically and you won’t need to do anything to receive it. As long as your account is not in default at the time the credit is due and you haven’t given us notice to close the account it’ll be applied within a couple of days and show on the next bill you receive from us.
    •  
    • The minimum you can transfer is £250 across up to five different balance transfers. The maximum transfer will be 90% of your credit limit. You can’t make a transfer from any other Barclaycard or our partner cards. 
    •  
    • When your 0% balance transfer offer ends you’ll be charged interest at your standard rate for anything new you buy and for any outstanding balance on your card.
  • Important info about your Barclaycard account

    • Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. 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. 
    •  
    • When your 0% purchase offer ends you’ll be charged interest at your standard rate for anything new you buy and for any outstanding balance on your card.
  • Card best suited to new customers who

    • You’re more likely to be accepted for this card if you:-
    •  
    • 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 commitments

    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.

    Check your eligibility
  • What you’ll need to apply

    • 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 sortcode and account number
    • In some situations, if your application is accepted you will need to provide copies of your last two bank statements or payslips
    •  
    • 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.

Check if you're eligible

With our eligibility checker you can see how likely you are to be accepted for a Barclaycard before you apply. Plus, it doesn’t affect your credit rating.

Apply online

Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days.

Platinum credit card

Still not decided?

If this card doesn't sound right, why not try the Barclaycard card finder to help find a card that suits your needs.

Getting in touch

If you have questions about your application just contact us

Having problems understanding this information?

We can provide additional support for all customers, including those who have mental or physical health conditions or learning disabilities.
If you would like to talk to someone you can call 0800 056 3486 from 8am - 9pm Monday to Friday and 9am - 1pm on Saturday.
Or you can visit any Barclays branch and speak to an adviser.