Find the best credit card for you

Find the best credit card for you

Platinum purchase card

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

  • 0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (2.5% transfer fee applies)

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

Read summary box Read balance transfer terms and conditions

Barclaycard Initial

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

  • 0% interest on purchases for three months from account opening

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

Read summary box

Freedom Rewards credit card

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

A Freedom Rewards card offers you 0% interest on purchases and balance transfers for a whole year from account opening (0.15% balance transfer fee applies). And every time you use your card you’ll earn points, which you can redeem for rewards

  • 0% on purchases and balance transfers for a year from account opening (0.15% balance transfer 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
  • 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

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 <

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
  • 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% on balance transfers for 32 months (0.72% balance transfer fee applies. A fee of 3.5% will be applied to your account at first, but you'll only pay 0.72% as we'll refund the difference - terms and conditions apply )
  • 0% interest on purchases for six months from account opening
  • 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

Read summary box Read balance transfer terms and conditions

No fee 21 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 21 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 3 months from account opening
  • 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

2 year balance transfer

Could be good if you want a lower fee and need less time to pay off your balance

  • 0% on balance transfers for 2 years (0.49% balance transfer fee applies. A fee of 2% will be applied to your account at first, but you'll only pay 0.49% as we'll refund the difference – terms and conditions apply )
  • 0% interest on purchases for six months from account opening
  • You could use the money you save on interest to reduce the amount you owe

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% rates and what happens when you 0% offer ends.

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

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

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

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