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
Assuming you’re approved by Barclaycard, you can usually expect to receive your card in the post within seven working days.
You may be able to, but you should probably expect to be offered a less attractive rate of interest.
Your best bet is probably to see if you’re eligible for Barclaycard's Forward credit-builder card. This features relatively a small credit limit and a higher APR than a standard card.
But, as long as you pay your balance in full and on time every month, a Forward card could be a good way of improving your credit score and helping you qualify for better cards in future.
Card holders can get in touch by opening the Barclays app on their phone and navigating to the ‘Help’ section.
Alternatively, you can ring 0800 151 0157 if you own an Amazon Barclaycard. Or get in touch on 0333 200 9090, if you own any other types of Barclaycard credit card.
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.
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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