Barclaycard credit cards

How to choose the right Barclaycard credit card

It’s the original, and it might still be the best – 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 around 10 million customers in the UK. Barclaycards are reliable and well respected – but with three different cards available, all designed to fit a different set of needs, which 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
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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
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Main features

Rate type
Rate
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Fees

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Monthly fee
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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:
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    • 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.
Barclaycard

Barclaycard

Balance transfer

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Purchases

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Purchases

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Barclaycard

Barclaycard

Balance transfer

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

Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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EXPLORE MORE CREDIT CARDS

How do Barclaycard credit cards compare?

Barclaycard offers three different credit cards, each designed to cater for separate needs. These are:

Barclaycard Forward: This credit builder card offers you up to 56 days with 0% interest per billing cycle, and an introductory 0% interest rate on purchases for your first three months.

Barclaycard Rewards: This rewards card offers 1p cashback on every £4 you spend, along with an additional £25 cashback if you spend within your first month. There’s no charge on foreign currency transactions, and it also allows you to clear your balance with an automatic direct debit to avoid fees.

Barclaycard Platinum All-Rounder: This all-in-one card could be used as a purchase credit card or a balance transfer card. Whether you have some big expenses coming up, or if you want to reduce your interest on an existing card debt, it offers you 0% interest for your first 27 months – although there is a 3.5% 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: If you book tickets to one of over 3,500 live events a year, you’ll get 5% back at checkout. Barclaycard customers also get exclusive presales for summer festivals – and you’ll get 10% off too. What’s more, you’ll save 5% on food and drink at O2 Arena locations if you use your Barclaycard
  • Flexibility: With Barclaycard, you can add up to four extra cardholders to your account
  • Online & mobile banking: You get access to Barclaycard’s powerful 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?

Barclaycard’s three cards 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.

  • If you want to build up your credit score, go for Barclaycard Forward – its credit limit starts low, at £50, but can go up to £12,000 as your credit score improves. You can also spread the cost of some big purchases with the introductory 0% interest rate – just try to pay off the balance after three months.
  • If you want credit for your everyday expenditures, try Barclaycard Rewards – so long as you pay off the balance each month, you can save money on your regular spending with the 0.25% cashback reward.
  • If you want to avoid interest on a big purchase or an existing credit card debt, pick the Barclaycard Platinum All-Rounder – whatever you need credit for, you can pay 0% interest for over two years – one of the longest interest-free periods on the market.

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’ll get 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.