The first part of your application

Part one of your application

To make everything as clear as possible we've summarised some of the key information below.
You need to read through this carefully before you continue with your application

How your interest offers work

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.

Managing your Barclaycard sensibly

Staying on top of your account

To manage your account well you’ll need to make payments on time and stay within your credit limit – this could then help you build your credit rating over time. If you don’t do these things: 

  •  you'll lose any promotional interest reates you have
  • you’ll be charged extra interest and fees
  • this could harm your credit rating

That’s why it’s so important to make sure you’ve read and understood all the Terms and Conditions before you apply.

Bank of England Base Rate

Simply make your minimum payments on time and stay within your credit limit and we’ll reduce your interest rate within 12 months of account opening. Remember your interest rate will move in line with the Bank of England base rate, so your rate might change before we reduce it. To learn more visit  barclaycard.co.uk/understanding-interest.

We'll also review your credit limit after six months.