0% interest balance transfer and purchases for up to 18 months

Our great all-rounder Platinum credit card. 2.9% transfer fee applies

Representative example – most accepted customers get

  • Representative 21.9% APR (variable)
  • Purchase rate 21.9% p.a. (variable)
  • Based on a £1,200 credit limit

What do these rates mean?

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.

Use the eligibility checker to find out if you’ll be accepted, without affecting your credit rating. 

Your Barclaycard at a glance

  • 0% interest on purchases for up to 18 months

    From the date you open your account.

  • 0% interest on balance transfers for up to 18 months

    From the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer.

  • 2.9% transfer fee

    On each balance transfer made. Terms and conditions apply which you can find in the important information section below.

    Summary of rates

    Terms & Conditions

Important things you need to know

Balance transfer calculator

£0 £12500
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£0 £500
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Balance transfer calculator results

  • % period months then
  • Transfer fee £ 1.75% of £
  • Cost to you £0 paid off in 0 months

Benefits with your Barclaycard

Before you apply

Apply online in four easy steps and we’ll give you a response in one minute. If approved, your Barclaycard could be with you in five working days.

You can apply if:

  • You are aged 21 or over

  • You haven't had any Individual Voluntary Agreements, County Court Judgements, and haven't been declared bankrupt in the past six years

  • You always make payments on time

  • You have at least four years' experience of managing credit

  • You have had a permanent UK address for at least two years

  • You have a personal income of more than £20,000 per annum

  • You are able to afford repayments on any outstanding credit commitments

What you’ll need to hand:

  • 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 payslips

Before you go ahead, make sure you've also read and understood the summary box of rates and terms and conditions

Also, understanding how fees and offers work can help you manage your account, so make sure you’re up to speed on the types of fees we may charge and how promotional rates work.

Not the card for you?

Contact us if you’re having difficulty understanding


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 call 0800 056 3486 from 8am - 9pm Monday to Friday and 9am - 1pm on Saturday.