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
    If you're accepted for this card, you'll get the interest rate shown here
    You can use this card abroad with no fee until 31 August 2018
    11.9% interest on your purchases and 27.9% interest on your ATM withdrawals home and abroad, from account opening
    But be aware that
    You must earn at least £20,000 a year to be eligible for this card

    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. Great for
    You’ll have to pay a 3.5% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund 2.06%, so the overall fee is 1.44%
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard

    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. Great for
    You’ll have to pay a 3.5% fee to transfer your balance. If you do it in the first 60 days, Barclaycard will refund 2.87%, so the overall fee is 0.63%
    You'll get access to pre-sale tickets to events before they go on general release
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard

    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. Great for
    You’ll have to pay a 2.5% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund 0.51%, so the overall fee is 1.99%
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer

    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. Great for
    You’ll have to pay a 2% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund this in full, so the overall fee is 0%
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard

    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. Great for
    Earn 1 Freedom point for every full £1 you spend, both in the UK and abroad (you'll have to pay a 2.99% fee on foreign currency transactions)
    Earn double points at all UK supermarkets, petrol stations and Transport for London
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You must earn at least £20,000 a year to be eligible for this card

    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. Great for
    0% interest on balance transfers for 18 months (2.99 % fee applies)
    This card can help to build your credit rating
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You must earn at least £17,500 a year to be eligible for this card

    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. Great for
    0% interest on purchases for three months
    If you're accepted for this card, you'll get the interest rate shown here
    If you stay within your credit limit and always repay on time, your interest rate could go down within 12 months
    But be aware that
    You must earn at least £3,000 a year to be eligible for this card
    You're not eligible if you've already got another Barclaycard credit card
    You're not eligible if you've had more than 1 CCJ

    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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