Credit Cards

Credit Cards

A credit card can be a flexible way to borrow money. With the right credit card, you could take control of your finances, spread out the cost of the things you’d like to buy now, or earn rewards on your everyday spending. You’ll usually be charged interest on what you borrow, unless you clear your balance every month or have an interest-free offer.

Are you eligible?

You can 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.

Barclaycard Avios

  • If you’re new to Barclaycard, you’ll collect 5,000 Avios if you spend £1,000 in your first three months. T&Cs apply PDF (315KB).
  • Collect 1 Avios for every £1 spent on eligible purchases1, with no monthly fee. 
  • Spend £20,000 on the card within 12 months and you’ll receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking. T&Cs apply PDF (315KB). 
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free with your new Barclaycard. Continues as paid subscription after trial. UK only. T&Cs apply.

Representative example - most accepted customers get

Representative APR
23.9% (variable)
Purchase rate
23.9% p.a. (variable)
Based on a
£1,200
credit limit
Monthly fee
£0

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 Avios plus

  • If you’re new to Barclaycard, you’ll collect 25,000 Avios if you spend £3,000 in your first three months. T&Cs apply PDF (315KB). 
  • Collect 1.5 Avios for every £1 spent on eligible purchases1 for a £20 monthly fee. 
  • Spend £10,000 on the card within 12 months and you’ll receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking. T&Cs apply PDF (315KB). 
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free with your new Barclaycard. Continues as paid subscription after trial. UK only. T&Cs apply.

Representative example - most accepted customers get

Representative APR
72.4% (variable)
Purchase rate
23.9% p.a. (variable)
Based on a
£1,200
credit limit
Monthly fee
£20

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.

Up to 30 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 30 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 2.98% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, 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.

Up to 27 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 27 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 1.28% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, 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.

Up to 24 month balance transfer Platinum card

For maximum flexibility, giving you more time to pay off your balance.

  • 0% interest for up to 24 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • 0.9% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, 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.

Up to 22 month balance transfer and up to 24 month for purchases 

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

  • 0% interest on purchases for up to 24 months from the date you open your account
  • 0% interest for up to 22 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 of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, 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% (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.

Up to 15 month balance transfer Platinum card

Could be good if you're looking to transfer a balance but you don't want to pay a fee.

  • 0% interest for up to 15 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • 0% balance transfer fee (terms apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, 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

Cashback on your everyday spend.

  • 0.25% cashback on all your 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 of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, 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.

Barclaycard Forward

Forward credit card

Are you looking for your first credit card, or do you have a limited credit history?

  • Credit limit of £50 - £1,200 subject to status
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction 
  • 0% interest on purchases for 3 months from the date you open your account
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.

Representative example

Representative APR
33.9% APR (variable)
Purchase rate
33.9% 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. 

1. You’ll collect Avios on new purchases, but not on balance transfers, money transfers and transactions that make up your cash balance. These include cash withdrawals, wire transfers and buying currency. You won’t collect Avios for any transactions that are later returned or refunded. You also need to keep to the terms and conditions of your account and stay within your credit limit. You can find out more about collecting and spending Avios PDF (315KB), including which purchases are eligible.