Find the best credit card for you

Find the best credit card for you

Barclaycard Initial

Looking for your first card or have a limited credit history?

  • 0% interest on purchases for three months from account opening
  • Receive £30 cashback after three months if you always make your minimum payments on time and stay within your credit limit. We'll also reduce your interest rate by up to 5% over two years*. Offer ends 5 October 2016 (terms and conditions apply)

Representative example

Representative APR 34.9% APR (variable)
Purchase rate p.a. 34.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.


Apply now Check if I'm eligible

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37 month balance transfer

Could be good if you'd like the most amount of flexibility to pay off your balance over time

  • 0% interest on balance transfers for 37 months (1.5% balance transfer fee applies. A fee of 3.5% will be applied to your account at first, but you'll only pay 1.5% as we'll refund the difference – terms and conditions apply )
  • 0% interest on purchases for six months from account opening
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs apply )
  • You could use the money you save on interest to reduce the amount you owe

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.

Apply now Check if I'm eligible

Read summary box Read balance transfer terms and conditions

32 month balance transfer

Could be good if you want a lower fee and are happy with a bit less time to pay off your balance

  • 0% interest on balance transfers for 32 months (0.68% balance transfer fee applies. A fee of 3.5% will be applied to your account at first, but you'll only pay 0.68% as we'll refund the difference - terms and conditions apply )
  • 0% interest on purchases for six months from account opening
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs apply )
  • You could use the money you save on interest to reduce the amount you owe

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.

Apply now Check if I'm eligible

Read summary box Read balance transfer terms and conditions

No fee 23 month balance transfer

This could be good if you’re looking to transfer a balance but don’t want to pay a fee

  • 0% interest on balance transfers for 23 months (0% balance transfer fee applies. A fee of 3.5% will be applied to your account at first, but you'll only pay 0% as we'll refund the difference – terms and conditions apply )
  • 0% interest on purchases for six months from account opening 
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs apply )
  • You could use the money you save on interest to reduce the amount you owe

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.

Apply now Check if I'm eligible

Read summary box Read balance transfer terms and conditions

Platinum purchase card

Our great all rounder with 0% interest for 25 months on purchases and balance transfers

  • 0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (2.35% transfer fee applies)
  • A transfer fee of 2.5% will be applied to your account at first, but you'll only pay 2.35% as we'll refund the difference – terms and conditions apply
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs apply )

Representative example

Representative APR 18.9% APR (variable)
Purchase rate p.a. 18.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.

Apply now Check if I'm eligible

Read summary box Read balance transfer terms and conditions

Our most accessible balance transfer

Great if you've built an average credit history and are looking for a balance transfer

  • 0% interest on balance transfers for 18 months (2.99% balance transfer fee applies)
  • 0% interest on purchases for 3 months from account opening
  • Get £20 cashback when you transfer a balance of £500 or more. Offer ends 16 October 2016 ( T&Cs apply )

Representative example

Representative APR 24.9% APR (variable)
Purchase rate p.a. 24.9% p.a. (variable)
Assumed credit limit £1,200

The credit limit, APR and offer terms may vary with individual circumstances, subject to status.

Apply now Check if I'm eligible

Read summary box Read balance transfer terms and conditions

Platinum travel credit card

Could be good if you’re looking to pay no non-sterling transaction fees and a low interest rate.

  • No non-sterling transaction fees on your foreign spend and ATM withdrawals abroad until 31 August 2018
  • Take advantage of Visa’s competitive exchange rate
  • 11.9% interest on your purchases and 27.9% interest on your ATM withdrawals home and abroad, from account opening
Remember, always pay or take out cash in the local currency to benefit from your reduced 0% non-sterling transaction fee and the Visa exchange rate. Find out more about using your card abroad .

Representative example

Representative APR 11.9% APR (variable)
Purchase rate p.a. 11.9% p.a. (variable)
Assumed credit limit £1,200

After the promotional period your non-sterling transaction fee will revert to 2.99%.
Subject to application and status. The terms of your product may differ from the example.

Apply now Check if I'm eligible

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Freedom Rewards credit card

Want to stop paying interest on your purchases and credit card balances for a year?

0% interest on purchases and balance transfers for a year (0.15% fee applies). And the good stuff doesn't end there. Every time you spend on your card you’ll earn Freedom points, which you can redeem for a range of rewards T&C’s apply .

  • 0% interest on purchases for a year from account opening
  • 0% interest for a year on balance transfers made within 60 days of account opening (0.15% fee applies)
  • A fee of 2.9% will be applied to your account at first, but you'll only pay 0.15% as we'll refund the difference – terms and conditions apply
  • £20 worth of bonus Freedom points when you spend at least £500 or transfer a balance of £500 in your first 60 days from account opening. Offer ends 5 October 2016 (balance transfer fee and T&C’s apply )
  • Every time you use your card you’ll earn points, which you can redeem for a range of rewards
  • £1 = 2 points when you spend at UK supermarkets, petrol stations and Transport for London
  • £1 = 1 point everywhere else
  • No limit to the number of reward points you can earn on your spend, and no annual fee
  • Freedom points won’t apply to any balance transfers you make

Representative example

Representative APR 21.9% APR (variable)
Purchase rate p.a. 21.9% p.a. (variable)
Assumed credit limit £1,200

Subject to application and status. The terms of your product may differ from the example.

Apply now Check if I'm eligible

Read summary box Read balance transfer terms and conditions <

Important things you need to know

If you decide to apply, please make sure you read part one of your application carefully. It tells you what you need to do to manage your account sensibly, keep your 0% interest rates and what happens when your 0% interest offer ends.




Contact us if you're having difficulty understanding

We can provide additional support for all our customers including those with mental or physical health conditions or learning disabilities.

The benefits of your Barclaycard

  • Free ongoing access to your Experian Credit Score (can be withdrawn at anytime – conditions apply)
  • Purchase Protection
  • Barclaycard Entertainment
  • Online servicing
  • The Barclaycard app
  • Contactless functionality
  • And  much, much more