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.
Your personalised chance of approval
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
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
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
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
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
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
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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£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
Barclaycard
Barclaycard