Balance transfer cards
Barclaycard offers four different balance transfer cards, offering long-term 0% interest on balance transfers, typically from around 12 months up to 28 months – although deals will vary.
See our range of Barclaycard credit cards
Check your eligibility without harming your credit score
See your likelihood of approval before you apply
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
Barclaycard credit cards, offered by high street brand Barclays Bank, were the first credit cards to arrive on the UK market – launching in 1966. Barclaycard is also the largest credit card provider in the UK.
There are plenty of different Barclaycards available, designed to suit a range of borrower needs. Here’s what’s on offer:
Barclaycard offers four different balance transfer cards, offering long-term 0% interest on balance transfers, typically from around 12 months up to 28 months – although deals will vary.
Barclaycard has a balance transfer and purchase card which lets you move over existing credit card debt and spread the cost of a big purchase. You’ll pay zero interest on purchases for up to 21 months.
Barclaycard has a range of rewards cards on offer. With the Barclaycard Rewards card you could earn 0.25 cashback on purchases. The Barclaycard Avios card comes with travel-related perks when you spend on the card.
Barclaycard also offers a credit builder card to help people improve their credit score. The card comes with a short 0% interest period. Plus, if you make all your payments on time in the first year, they’ll lower your interest rate, with further drops the second year
The best Barclaycard will depend on what you want from the card. Barclaycard offer a wide range of credit cards.
If you’re a frequent flyer, the Barclaycard Avios card may be beneficial as you can earn flight and hotel upgrades when you spend.
You can earn cashback on purchases at selected retailers with Barclaycard Rewards.
If you have a bad credit score, the Forward credit card can help repair your credit rating as long as you use it wisely.
You can make a big spend more affordable with Barclaycard Platinum, which is a purchase card.
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Different types of Barclaycards will have different eligibility requirements. To be eligible for Barclaycard’s credit builder card, you’ll need to meet the following criteria*:
You must be 18 or over
You must earn at least £3,000 a year
You must be in employment
You can’t have declared bankruptcy, or have a County Court Judgement (CCJ) in the last six years
You can’t have missed a recent bill payment
*Meeting the criteria does not guarantee acceptance
Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – and we'll protect your credit using a soft search.
We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card
We'll sift through dozens of offers from across the market, and show you the cards we think will suit you best
You'll be shown a range of cards, which you'll be able to sort according to APR, features and your chances of being approved
When you take out a credit card from a selected provider, you’ll be eligible for SuperSaveClub rewards. At the moment, not all providers are part of our rewards programme. When you search for a credit card with us, you’ll be able to see which providers are part of the programme, as the cards that come with a SuperSaveClub reward will be highlighted in your results.
The providers who are currently signed up to SuperSaveClub are:
118 Money
American Express
Aqua
BIP
Capital One
Halifax
John Lewis Finance
Lloyds
Marbles
MBNA
Natwest Bank
Post Office
Santander
Yonder
Zable
APR stands for Annual Percentage Rate and it represents how much it’ll cost to borrow money on a particular credit card. It’s calculated by taking into account:
Your interest rate
Additional fees and charges.
However, you might see the term ‘representative APR’ on adverts for credit cards – this means that the interest rate quoted only has to be offered to at least 51% of successful applicants, so it may not be the actual rate you get when you apply.
First consider what you want to use the credit card for – cards come with different features that are useful for different purposes.
If you have a large purchase coming up, you might want to spread the cost with a 0% purchase card, if you fly a lot you might want an airmiles card, and if you want to transfer a balance to avoid interest payments, a balance transfer card could be ideal.
By comparing with us you’ll be able to see a list of credit cards, so you can browse at will and choose which one suits you best.
You’ll get a cooling off period of two weeks from when you receive your card, and you’ll have 30 days to pay off your balance. You can cancel by contacting your bank or building society, either by post, phone, online, or in-branch.
However, if you want to cancel your card after the cooling off period, your account balance generally must be zero.
If you miss a repayment on your credit card balance, you likely have to pay a penalty fee. What’s more, if you have any type of promotional offer with your card, such as an interest-free deal, this may be cancelled, and a missed payment may have a negative effect on your credit score.
If you get rejected for a credit card, this will leave a mark on your credit report and could lead to further rejections in the future. It’s a good idea to use MoneySuperMarket’s Eligibility Checker to see how likely you are to be accepted for a card before applying to get it.
Unlike many loans and mortgages, you generally won’t be charged for making early repayments on your credit card – which means it’s a good way to get ahead of your balance.
You can’t get joint credit cards in the same way as bank accounts and mortgages, but you can add additional users to your own credit cards. However, you should remember that it’s still the primary cardholder’s responsibility to pay off the balance.
You can cancel your credit card by contacting your lender, by phone, email, online, post, or in person if they have a local branch.
In most cases your provider will set your credit limit after you’ve been accepted. So you will not be able to ‘apply’ or request a certain spending limit. Your credit limit will be based on your income, financial circumstances and your credit score as well as the individual policy of the card provider. Card issuers will want to be satisfied that the limit is affordable for you. You’ll be told what it is once your application is approved and your account is open.
Whether you're approved or not will depend on your personal circumstances. There's no universal standard applied by lenders. But factors that will influence your eligibility include: Your income, age (you must be over 18 in most cases), your financial history and your credit score.
You can overpay on your credit card and that happens when you pay back more than you owe on your balance. When you do this, you’ve cleared your balance, but you’ve gone a step further and your card issuer now owes you money.
Yes, you can have multiple credit cards but keep in mind that if you’re struggling with one credit card it’s best not to get any more.
Personal loans offer a fixed amount with set repayment terms and predictable monthly payments, making them a reliable alternative for managing expenses and avoiding high interest rates. However, you won't be able to enjoy 0% periods like you can with certain credit cards.
For most people, it won't matter too much whether you choose a Mastercard or Visa, as both are accepted worldwide and there are very few differences between the two. Both Visa and Mastercard come with their own exclusive benefits, but it’s the perks offered by the bank issuing your card – such as cashback, loyalty points or air miles – that are more enticing and therefore should carry more weight in your decision.
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already. For example, an airmiles credit card is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
Take control of your credit score by checking and improving it for free with Credit Monitor
Never overpay again with Energy Monitor, our energy monitoring service
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But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.