Barclaycard credit cards

How to choose the right Barclaycard credit card

It’s the UK’s first credit card, and it’s still going strong – see if one of Barclaycard’s offers is right for you

Barclays Bank traces its origins back to 1690, making it one of the oldest continuously operating banks in the world – it’s four years older than the Bank of England. Barclaycard, the bank’s credit card brand, also enjoys some impressive seniority – it was launched in 1966, making it the UK’s oldest credit card, and until 1972 it was the only credit card on the British market.

And while the credit card market has opened up significantly since then, it’s still a major player. With a decent selection of cards available, all designed to fit a different set of needs, which one is right for you? This unbiased guide will show you how the different cards stack up.

Bear in mind that the APRs quoted in our offers are representative, and that you may be offered better or worse deals depending on your own credit rating.

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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. 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.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?
Go to site
Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?
Go to site
Representative Example: If you spend at {{sliderProduct.productAttributes.interestRates.representativeExample.interestDescription}} rate of {{sliderProduct.productAttributes.interestRates.representativeExample.interestRate}}% ({{sliderProduct.productAttributes.interestRates.representativeExample.fixed === false? 'variable': 'fixed'}}) p.a. with a {{sliderProduct.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{sliderProduct.productAttributes.interestRates.representativeExample.apr}}% APR ({{sliderProduct.productAttributes.interestRates.representativeExample.isAPRFixed === false? 'variable': 'fixed'}})

Main features

Rate type
Rate
Duration
Balance transfers
{{sliderProduct.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate | formatPercents}}
{{sliderProduct.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths | formatPlural : 'month'}}
Thereafter
{{sliderProduct.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | formatPercents}}
Purchases
{{sliderProduct.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate | formatPercents}}
{{sliderProduct.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths | formatPlural : 'month'}}
Thereafter
{{sliderProduct.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | formatPercents}}
Money transfers
{{sliderProduct.productAttributes.interestRates.introductoryInterestRates.moneyTransfer.annualRate | formatPercents}}
{{sliderProduct.productAttributes.interestRates.introductoryInterestRates.moneyTransfer.durationInMonths | formatPlural : 'month'}}
Thereafter
{{sliderProduct.productAttributes.interestRates.longTermInterestRates.moneyTransfer.annualRate | formatPercents}}

Fees

Fee type
Fee
Min fee
Balance transfers
{{sliderProduct.productAttributes.fees.balanceTransfer.handlingFee | formatPercents}}
{{sliderProduct.productAttributes.fees.balanceTransfer.minFee | formatCurrency}}
Cash advances
{{sliderProduct.productAttributes.fees.cashAdvance.handlingFee | formatPercents}}
{{sliderProduct.productAttributes.fees.cashAdvance.minFee | formatCurrency}}
Money transfers
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{{sliderProduct.productAttributes.fees.moneyTransfer.minFee | formatCurrency}}
Fixed fees
Fee amount
Annual fee
{{sliderProduct.productAttributes.fees.annualFee | formatCurrency : true}}
Monthly fee
{{sliderProduct.productAttributes.fees.monthlyFee | formatCurrency : true}}

What's good about this card

What to be aware of

Repayment details

  • Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
  • Your monthly minimum payment will be the greater of:
    • {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
Limited Offer

£30 cashback when you transfer a balance of £2,500 or more within 60 days of opening your account. Offer ends 29 March 2021. T&Cs apply

Limited Offer

£30 cashback when you transfer a balance of £2,500 or more within 60 days of opening your account. Offer ends 29 March 2021. T&Cs apply

Barclaycard

Barclaycard

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})
Barclaycard

Barclaycard

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}}

{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})
Barclaycard

Barclaycard

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

  • {{::item}}

  • No rewards

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})
Barclaycard

Barclaycard

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Balance transfer

{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}}

{{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}%

{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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{{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%

Rewards

  • {{::item}}

  • No rewards

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})

EXPLORE MORE CREDIT CARDS

How do Barclaycard credit cards compare?

Barclaycard offers a range of different credit cards, each designed to cater for separate needs. These include:

  • Barclaycard Forward: A credit builder card ideal for those looking for a first credit card or with a limited credit history. Used responsibly it can help improve your credit score and will also offer 0% interest on purchases when you open the account
  • Barclaycard Rewards: This rewards card offers cashback on your spending and no charge on foreign currency transactions
  • Barclaycard Platinum All-Rounder: This all-in-one card offers 0% interest on purchases and balance transfers for a set period, although there will be a balance transfer fee to consider

Barclaycard features

With a Barclaycard, you get much more than their appealing cashback offers or 0% interest rates. Barclaycard customers also get access to a full suite of bonuses and extras. Some of these include:

  • No fees: Every Barclaycard option comes without any monthly or annual fees – so that’s one expense you won’t have to worry about
  • Savings on entertainment: Barclaycard currently offers access to selected live events, as well as festival presales and other customer-only perks
  • Flexibility: With Barclaycard, you can add up to four extra cardholders to your account
  • Online & mobile banking: You get access to Barclaycard’s online and mobile banking services, including the free mobile app. You can also set up alerts so you never have to worry about falling behind on repayments
  • Fraud protection: Barclaycard promises a full refund for any fraudulent activity on your account – and they’ll cover any interest you’ve paid too
  • Regulation: Barclaycard is fully regulated by the Financial Conduct Authority (FCA), and you’re protected under the Consumer Credit Act. So if something goes wrong on a purchase you make between £100 and £30,000, you’ll get a full refund

How do I pick the best Barclaycard credit card?

Barclaycards cover a broad range of possible uses. Which card is best for you will depend on what you’d like to use your credit card for.

Barclaycard Forward is a credit-builder card: its credit limit starts low, but increases as your credit score improves. You can also spread the cost of some big purchases with the introductory 0% interest rate – but pay off the balance within the set period to avoid higher interest.

Barclaycard Rewards gives you cash back on your everyday expenditures – so long as you pay off the balance each month, you can save money on your regular spending with its cashback reward.

The Barclaycard Platinum All-Rounder is good for a big purchase or paying off an existing credit card debt – whatever you need credit for, you can pay 0% interest for a fixed number of months.

Am I eligible for a Barclaycard?

Barclaycard has a few eligibility criteria for each of its cards, although the offer you get will depend on your own circumstances, including your credit rating. Here’s what you need for a Barclaycard credit card:

  • Barclaycard Forward: You’re 18 or older, with a minimum income of £3,000 a year
  • Barclaycard Rewards: You’re 21 or older, with a minimum income of £20,000 a year
  • Barclaycard Platinum All-Rounder: You’re 21 or older, with a minimum income of £20,000 a year

How likely am I to get accepted?

Your chances of being accepted for a Barclaycard credit card will depend on a range of factors – but the most important element is your credit score. You may be offered better rates if you have a history of responsible borrowing than you will if you’ve missed loan repayments or even defaulted in the past.

The best way to take control of your credit score is with MoneySuperMarket’s free Credit Monitor tool. You can use it to find out what your credit score is, and to work out simple ways to improve it. Once you have a better handle on your score, you should find it easier to get better deals on credit cards.

How long does it take to get a Barclaycard?

It’s quick and easy to get a great credit card deal with MoneySuperMarket – just answer a few short questions so we can access your credit score, and then you’ll be able to see all the available deals within minutes.

Once you’ve found a card that suits your needs, we’ll direct you to the provider, who will ask you to make a full application. This should only take a minute or two longer. Approval is usually automatic and quite quick, and your Barclaycard and PIN should arrive in the post in around 7 to 10 days.

Sometimes an application is flagged for a manual evaluation, which can take a few days extra.

How do I apply for a Barclaycard credit card?

MoneySuperMarket’s credit card comparison tool is a great way to apply for a Barclaycard. It’s simple: you give us a few details about yourself and your circumstances, and we scour our providers for the best deals available to you, including APR and credit limit. You then pick the one you like best.