Barclaycard Freedom Rewards card

• 0% interest on purchases for a year from the date you open your account
• 0% interest for a year on balance transfers made within 60 days of opening your account. Your 0% offer will start from the date you make your balance transfer. (0.15% fee applies)
• Every time you use your card you’ll earn points, which you can redeem for a range of rewards – terms and conditions apply
  
• Freedom points will not apply to any balance transfers on your account

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.

How your interest offers work

Your balance transfer offer – balance transfers can only be made within the first 60 days from account opening.

To keep your 0% interest 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% interest rates will go up to your standard rate instead.

When your 0% interest purchase offer ends – you'll be charged interest at your standard rate for:

• Anything new you buy
• Any outstanding purchase balance on your account

If you don’t pay off your whole balance each month, including any balances you’ve transferred, then you’ll be charged interest on your new purchases from the day the transaction appears on your account.

When your 0% interest 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 could 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.

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.

Read summary box   Read balance transfer terms and conditions

Please note it's not possible to apply for a new Barclaycard if you already have a credit card provided by us, including one of our partner cards

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.