Barclaycard Freedom Rewards card
1 year purchase and balance transfer offer (fee applies)
Representative example
Representative example
- Representative APR
- 21.9% APR (variable)
- Purchase rate
- 21.9% p.a. (variable)
- £1,200 credit limit
- Annual Fee
- No annual fee
You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.
Contact us if you’re having difficulty understanding
We can provide additional support for all customers including those with mental or physical health conditions or learning disabilities.
How your interest offers work
Your balance transfer offer – 0% balance transfers can only be made within the first 60 days from account opening.
To keep your 0% rates – you'll need to stay within your credit limit and make at least your minimum payment on time each month. If you don’t, your 0% rates will go up to your standard rate instead.
When your 0% purchase offer ends – you'll be charged interest at your standard rate for:
If you don’t pay off your whole balance each month, excluding any promotional balances then you'll be charged standard interest on new purchases from the day the transaction appears on your account. Don’t forget to make at least your minimum payments on time and stay within your credit limit.
When your 0% balance transfer offer ends – you'll be charged interest at your standard rate on any outstanding balance transfer.
Managing your Barclaycard
Staying on top of your account – if you miss payments or go over your credit limit, you will incur additional costs through interest and fee charges; you will also lose any promotional interest rates. So please make sure you’ve read and understood the terms and conditions before you apply.
You could build your credit rating over time as long as you always make your payments on time and stay within your credit limit. However, if you don’t do those things, your credit rating could be harmed.
Is your annual income going to change? – During the application process we’ll ask you to confirm your current annual income. If you know that your annual income will change in the next 12 months, use the lower annual income figure in your application. If you require assistance we're here to help .
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.