Barclaycard 28 month purchase and 28 month balance transfer offer

Enjoy 0% interest on purchases and balance transfers

  •  0% interest on purchases for 28 months from the date you open your account
  •  0% interest for 28 months on balance transfers made within 60 days of opening your account. Your 0% offer will start from the date you make your balance transfer. (2.7% fee applies)
  •  A transfer fee of 3.5% will be applied to your account at first, but you'll only pay 2.7% as we'll refund the difference –terms and conditions apply

Representative example

Representative example

Representative APR
19.9% APR (variable)
Purchase rate
19.9% p.a. (variable)
Based on a
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.

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:

  •  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% purchase 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.

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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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.