Barclaycard credit cards

Barclaycard are offering 0% on balance transfers for 22 months. There is a 2.9% handling fee when you move your balance across from another card. Barclaycard also offer a card which offers 20 months 0% on balance transfers that charges you a lower fee of 3%, currently discounted to 2.6%, so if you think you don’t need the extra months to pay your balance off you could pay slightly less upfront. A perk of the card is that it includes contactless payment technology. This means you can use it to make payments quickly when you are making a purchase of £15 or under wherever you see the ‘wave' symbol. You can also register and manage your account online so you can switch to paperless statements, set up direct debits and track your spending. You need to have an income of at least £20,000 and be aged 21 or over to apply for this card. You cannot transfer a balance from another Barclaycard.

This card charges 0% on purchase for three months, but 0% on balance transfers for 21 months, making it a very competitive option if you want to move debt from another card. However there is a 2.9% handling fee when you move your balance across from another card. Currently Barclaycard are offering new customers a partial refund of the balance transfer fee if you transfer a balance within 60 days of account opening. This reduces the fee to 2.6%. The refund will be credited to your account within 28 days from the date your balance transfer is processed. A perk of the card is that it includes contactless payment technology. This means you can use it to make payments quickly when you are making a purchase of £15 or under wherever you see the ‘wave' symbol. You can also register and manage your account online so you can switch to paperless statements, set up direct debits and track your spending. You need to have an income of at least £20,000 and be aged 21 or over to apply for this card. You cannot transfer a balance from another Barclaycard.

This new card from Barclaycard offers an introductory rate of 0% on balance transfers for the first 16 months from the date the account is opened, as well as three months at 0% on purchases. There are longer 0% periods for both balance transfers and purchases available in the market but the benefit of this card is the low discounted transfer fee reduced from 2.1% to 1.6%. You will need to transfer a balance within 60 days of account opening and the refund will be credited to your account within 28 days from the date your balance transfer is processed. This card will suit you if you want to pay less upfront to transfer your balance and can afford to pay off the balance within 16 months, as any balance remaining will then be charged at an annual percentage rate (APR) of 18.9%. A perk of the card is that it includes contactless payment technology. This means you can use it to make payments quickly when you are making a purchase of £15 or under wherever you see the ‘wave' symbol. You need to have an income of at least £20,000 and be aged 21 or over to apply for this card. You cannot transfer a balance from another Barclaycard.

This credit card charges no interest on both balance transfers and spending for the first 14 months. After that, it has a representative annual percentage rate (APR) of 18.9% (variable) so you should try to clear your balance and pay off any new spending within the interest free period. The 0% transfer offer only applies if you make a balance transfer within the first 60 days of opening the account and you will be charged a 2.9% transfer fee. It’s important not to miss out on the 60 day window because you’ll be charged an annual percentage rate (APR) of 18.9% on any transfers made after that time. Don’t be tempted to use the card for cash withdrawals – not only will you be charged a higher APR of 27.9% but you’ll also incur a cash withdrawal fee of 2.5% (minimum £2.50). All Barclaycards offer contactless technology which means you can make purchases of £15 or less without having to key in your PIN number. Not all retailers accept contactless yet – you need to look out for the ‘wave’ sign on payment terminals (you’ll see this sign on the front of your credit card so you’ll know what to watch out for).

This card is a good option if you have very little credit history, or only an average credit rating. Barclaycard Gold card offers 0% on balance transfers for 12 months, and there is a 2.5% handling fee. You cannot transfer a balance from another Barclaycard. The rate on purchases is a relatively high 19.9% APR and there is no introductory 0% rate, so if you are using the card for spending you will have to pay your bill off each month in full to avoid being charged interest. The card can be used to make contactless payments, a quick and easy way to make purchases of £15 or under. You can apply for the card if you don't already have a Barclaycard and if you have a regular income of more than £17,500 a year. You must not have missed any payments on a credit card or loan in the last 12 months.

This card has one of the lowest APRs currently available at 7.9% on both balance transfers and purchases. It is therefore likely to suit those looking for a consistently low rate who doesn't want to keep transferring their balance to take advantage of 0% introductory offers. There is no handling fee on balance transfers – most cards charge around 3% – so if you are transferring a large balance this could result in significant savings. Cardholders can manage their accounts online, and make contactless payments using the card on purchases up to £15. You must be 21 to apply for the card, with at least four years of managing credit commitments well, always making payments on time. You must also have a regular income of over £20,000 a year and not already have a credit card with Barclaycard. As with most credit cards, there is an interest-free period of 56 days.

This card is suitable for those who are applying for a credit card for the first time who have limited credit history and want to start building a credit profile. The card has a steep APR of 29.9%, so you should clear any debts run up on the card as soon as possible to avoid racking up interest. It should really be used as a way to improve your credit record, rather than spreading payments. The 29.9% rate applies to purchases, balance transfers and cash withdrawals. While you don't have to have the best credit score to apply for the card, you're likely to be declined if you have recent County Court Judgements against you, IVAs that date back five years or if you've ever been made bankrupt. You could also be turned down if you have missed multiple payments on credit agreements within the last 12 months. Applicants must be at least 18 years of age and have a regular income of at least £10,000 per year to be considered for this card.