Results based on your selections

Results based on your selections

  • How does the price promise work?

    • Here's what you need to know about how to get a reduction in your interest rate over the first couple of years.
     
    • We’ll reduce your cash and standard rate in the first two years as long as you stay within your credit limit and make at least your minimum payments on time. The rate reduction will be 3% in the first year and 2% in the second.
    • If you don’t qualify in the first year but qualify in the second year you will get a reduction of 3% in that year. 
    • The rate reduction starts from the date you receive your statement on the anniversary month of when you open the account.
    • Your interest rates will move up and down in line with changes to the Bank of England Base Rate. This means that if your rates go up or down due to a Base Rate change then any Price Promise reduction you get will be applied to that new higher or lower rate.

    Making minimum payments

    Making minimum payments could help you get a rate reduction but remember the longer you take to pay off your balance, the more interest you’ll end up paying. Just by paying a little more each month, you could clear your balance sooner than you think, and pay less in interest.

    Enter your current details into our Repayment Calculator and see the difference a few pounds extra can make.

    Repayment Calculator
  • Why does it say ‘up to’ next to the balance transfer offer?

    • At least 8 out of 10 customers accepted last month received the promotional period for the cards shown. 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 the same amount of months with 31.9% APR variable; or
    • 0% for a shorter balance transfer period with 31.9% APR variable 
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    • 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.
  • 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
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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.

     

  • 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 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.
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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. 
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    • 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:-
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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.

    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 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
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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.