Choose a Purchase credit card

Purchase credit cards

Need a little help finding the perfect shopping partner?

Our 0% purchase card lets you make purchases without paying any interest on the balance for a certain length of time. This means you can make a purchase and spread the cost over months or years.

With our Barclaycard Rewards card, you can get a little something back just by using the card. You’ll earn cashback on every pound you spend on new purchases, both at home and abroad. And the cashback is paid directly into your account.

We’ve also introduced a new benefit to all Barclaycard Visa credit cards called Barclaycard Cashback Rewards. It gives you up to 15% cashback when you shop at a range of participating retailers - and that’s on top of any cashback you already earn. To turn it on and start earning, all you have to do is register your card for free. T&Cs apply. 

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

More help

Card finder

A little help finding the right Barclaycard

Promotional rates

Find out how promotional rates work and how to keep them

All cards

See our full range of cards

Up to 21 months for purchases and up to 20 months balance transfer

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

  • 0% interest on purchases for up to 21 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 free of Apple Music, Apple TV+, Apple News+ and Apple Arcade 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. 

Barclaycard Rewards

Good for earning cashback on your purchases

  • 0.25% cashback on your everyday spend*
  • No fees abroad – you’ll be able to withdraw cash from an ATM or buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

 

Representative example - most accepted customers get

Representative APR
22.9% APR (variable)
Purchase rate
22.9% 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 interest rates may differ from those shown.

*You’ll earn cashback on new purchases that you make. You won’t earn cashback on balance transfers, money transfers, cash withdrawals, buying currency or traveller’s cheques, or any cash-like transactions you make such as money orders or wire transfers. It also doesn’t include gaming-related transactions such as gambling, betting and buying lottery tickets.

What is a 0% purchase credit card?

A 0% purchase card is a credit card that lets you make purchases on it without charging you any interest on the balance for a set period of time.

If you used our Platinum card and it had a 28 month 0% interest rate period, for instance, you could pay upfront for a purchase and not pay any interest until the 28 month period has finished.

Things to remember

When using a purchase credit card, it’s important to remember that:

You will lose your promotional rate if you make an arrangement to pay less than your minimum payment each month.

Once the promotional period has finished, you’ll start being charged interest at the standard rate if you have any remaining balance.

Check if you’re eligible

Making lots of credit applications can make your credit rating worse.

Use our free eligibility checker before you apply to find out whether you’re likely to be accepted for a credit card. It only takes a few minutes and it won’t affect your credit rating.