Barclaycard credit cards

Barclaycard offers a range of credit cards to suit different needs. These range from its Platinum cards which are often market leading in the 0% balance transfer stakes, to cards that offer cashback and rewards. Barclaycard also offers some competitive credit cards for small businesses. Most Barclaycards do not come with an annual fee.

Compare Barclaycard credit cards - Sorted by APR

  1. Great for
    No non-sterling transaction fees on your foreign spend and ATM withdrawals abroad until 31 August 2018
    11.9% interest on your purchases and 27.9% interest on your ATM withdrawals home and abroad, from account opening
    If approved, you will get the advertised offer
    But be aware that
    All applications are subject to Barclaycard eligibility criteria and your status
    You always need to pay or take out cash in the local currency to benefit from the reduced 0% non-sterling transaction fee and the Visa exchange rate. See provider site for details

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 11.9% p.a. (variable) your representative rate will be 11.9% APR (variable).

  2. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.00%, so the effective fee is 1.50%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    Manage your account using the My Barclaycard app, or online account servicing
    You’ll get access to pre-sale tickets to the latest events before they go out on general release
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund 2.82%, so the effective fee is 0.68%
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    Paying 0% interest on balance transfers for 25 months
    Paying 0% on purchases for 25 months
    But be aware that
    If you have a balance transfer you will pay interest on all purchases made once the 0% purchase rate for 25 months has expired, unless you repay your entire balance in full each month
    The APR and length of the promotional offer are dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    You’ll be charged a 3.5% fee, but transfer a balance within 60 days and Barclaycard will refund this in full, so the effective fee is 0%
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Barclaycard
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Limited offer

    Receive 7,000 bonus Freedom points worth £20 when you spend at least £500 or make a balance transfer of at least £500 within 60 days. Conditions apply, see T&Cs. Offer ends 5th October

    Great for
    One Freedom point for every pound you spend, both at home and abroad (please note – a non-Sterling transaction fee of 2.99% applies to foreign currency transactions)
    Earn double points at all UK supermarkets, petrol stations and Transport for London
    Tracking your credit score, with free ongoing access to your Experian Credit Score
    But be aware that
    You cannot transfer a balance from another Barclaycard
    The APR is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative rate will be 21.9% APR (variable).

  7. Exclusive

    Receive £20 cashback when you make a balance transfer. You cannot apply for this offer through any other price comparison sites. Conditions apply, see T&Cs. Ends 16th October

    Great for
    Rebuilding your credit rating or if you have a limited credit history
    Paying 0% interest on balance transfers for 18 months
    But be aware that
    You cannot transfer a balance from another Barclaycard
    The APR is dependent on your personal circumstances
    The promotional BT period applies to transfers made in the first 60 days

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 24.9% p.a. (variable) your representative rate will be 24.9% APR (variable).

  8. Limited offer

    Receive £30 cashback after three months. Conditions apply, see T&Cs. Offer ends 5th October

    Great for
    0% for three months on purchases
    Being able to reduce your interest rate by always paying on time and staying within your credit limit
    The advertised rate is the rate you will get if accepted
    But be aware that
    You must not have received more than one CCJ
    You need an annual income of more than £3,000 to apply

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.9% p.a. (variable) your representative rate will be 34.9% APR (variable).

Guide to Barclaycard credit cards

Barclaycard is the country’s largest credit card provider and offers wide range of cards including low standard rate cards, interest-free balance transfer cards and purchase cards. 

Bear in mind that the leading 0% offers, or low standard-rate cards are aimed at those with excellent credit histories. If yours is less than perfect, or you’ve never had credit before, you won’t qualify for these deals.

Barclaycard does, however, also offer cards for people with a limited credit history.

Barclaycard credit cards are fully regulated by the Financial Conduct Authority.

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

 

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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