When they say ‘pay later’, how much ‘later’ is later?
Get up to 56 days interest-free when you pay in full and on time. T&Cs apply.
There's more
Representative example - most accepted customers get
- 21.9% APR
- (variable)
- 21.9% p.a.
- (variable)
- £1,200 credit limit
Representative APR
Purchase rate
Based on a
The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The purchase offer period, balance transfer period and interest rates, may differ from those shown.
Barclaycard gives you more
Don't just settle for cool, get more
When it comes to paying for things, Barclaycard gives you more. Like rewards, protection on purchases over £100 as standard1, and tools to help build your credit score - when using your card responsibly.
Get more than ‘cool’ from your payment solution.
More time
Does your credit card help break big purchases into smaller instalments?
Spread your payments over 3, 6, or 12 instalments on purchases between £100 and £5000. T&Cs apply. Subject to application, financial circumstances and borrowing history.
More protection
Are your bigger purchases protected?
Pay with a credit card to enjoy added protection on purchases between £100 and £30,000 as standard. T&Cs apply. Subject to application, financial circumstances and borrowing history.
Are you protected from fraud?
Stay ahead of scammers by doing everything you can to protect yourself. Read the following top tips for spotting and avoiding scams.
More fairness
Need help understanding fees?
Unlike some other providers, we won’t charge you a fee if you go over your credit limit. But there are other situations where you could be charged. T&Cs apply. Subject to application, financial circumstances and borrowing history.
Is your Balance Transfer deal guaranteed?
Unlike other providers, if approved, we guarantee any 0% interest period we offer you until the offer end date. T&Cs apply.
More help
Did your new trainers help improve your credit score?
Responsible use of a credit card can help build your credit score. T&Cs apply.
Know how to travel smart with your credit card?
Our travel tips will help you understand the best ways to pay abroad.
Need some help staying on top of things?
Our app and alerts can help you to stay on top of your spending and monthly payment date. And much more. You must be 16 or over to use the app. T&Cs apply.
More rewards
When you ordered your last flat white, did you get a ‘tip’?
Earn up to 15% cashback on some great brands when you switch on Barclaycard cashback rewards powered by Visa. T&Cs apply.
Does your payment provider come packed with fun?
Enjoy up to five months of Apple TV+, Apple Music , Apple News+ and Apple Arcade for free with Barclaycard. T&Cs apply.
Do your payments have an ‘in’ to the best entertainment?
With tickets for less, savings at events and presales, Barclaycard is your pass to entertainment perks. T&Cs apply.
Watch Grace Jones talk about Barclaycard Instalment Plan
Watch Grace Jones talk about Barclaycard Cashback Rewards
Watch Grace Jones talk about building your credit score
1Section 75 of the Consumer Credit Act 1974 applies to every UK credit card as standard. It covers purchases between £100 and £30,000 in some circumstances by making your credit card company jointly responsible, with the retailer or service supplier, for the goods or service supplied if things go wrong. See here for more details.