Barclaycard | Purchase reward results

• 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 in the last month were offered the best rate for this card. Depending on your individual circumstances we may offer you 29.9% APR variable. Of course if you’re not happy with this alternative you don’t have to go ahead with it. 

• 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
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• 0% for 27 months with 24.9% APR variable or 29.9% APR variable; or
• 0% for 14 months with 29.9% APR variable 
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• The The BT fee will remain the same and of course, if you’re not happy with the alternative you don’t have to go ahead with the application.

• 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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• 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.
  
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• 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. 
  
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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.

• Remember to pay or take out cash in the local currency to benefit from the 0% offer and Visa’s competitive exchange rate. Find out more about using your card abroad.
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• You will get 0.25% cashback on purchases until 31/08/2023. This will be credited monthly to your statement.
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• You will get an additional 0.25% cashback on all purchases for the first 3 months from opening your account referred to as ‘double cashback’.
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• All purchases will receive cashback unless you move the transaction to an Instalment Plan, which will have its own terms and fees.
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• This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time.

• 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.
  
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• 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.
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• 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 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.

• 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
  
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• 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.