Barclaycard credit cards

Best Barclaycard credit cards

Barclaycard was the first provider to offer a credit card in Britain. It has stayed at the cutting edge of the market by being the first to roll out contactless cards to its customers, enabling them to make low-cost purchases without having to input their PIN.

Barclaycard offers a range of credit cards to suit different needs. These range from its Platinum cards which are often market leading in the 0% balance transfer stakes, to cards that offer cashback and rewards. Barclaycard also offers some competitive credit cards for small businesses. Most Barclaycards do not come with an annual fee.

 

Compare Barclaycard credit cards - Sorted by APR

  • Provider/Product name
  • Balance transfer
  • Purchases
  • Rewards
  • Representative APR (variable)
  • Your chance of approval
  •  
  1. Great for
    If you're accepted for this card, you'll get the interest rate shown here
    You can use this card abroad with no fee until 31 August 2018
    14.9% interest on your purchases and 27.9% interest on your ATM withdrawals home and abroad, from account opening
    But be aware that
    You must earn at least £20,000 a year to be eligible for this card
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 14.9% p.a. (variable) your representative rate will be 14.9% APR (variable).

  2. Great for
    You’ll have to pay a 3.5% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund 2.10%, so the overall fee is 1.40%
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Great for
    You’ll have to pay a 3.5% fee to transfer your balance. If you do it in the first 60 days, Barclaycard will refund 2.90%, so the overall fee is 0.60%
    You'll get access to pre-sale tickets to events before they go on general release
    But be aware that
    You might get a different interest rate or promotional period to the one shown here because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  4. Great for
    You’ll have to pay a 2.5% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund 1.01%, so the overall fee is 1.49%
    But be aware that
    You might get a different interest rate or promotional period to the one shown here because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  5. Great for
    You’ll have to pay a 2% fee to transfer a balance to this card. If you do it in the first 60 days, Barclaycard will refund this in full, so the overall fee is 0%
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate or promotional period to the one shown here because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
    You can’t transfer a balance from another card issued by Barclaycard
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  6. Great for
    Earn 1 Freedom point for every full £1 you spend, both in the UK and abroad (you'll have to pay a 2.99% fee on foreign currency transactions)
    Earn double points at all UK supermarkets, petrol stations and Transport for London
    You can get your Experian credit score for free
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances.
    You must transfer a balance within the first 60 days to get the promotional offer
    You must earn at least £20,000 a year to be eligible for this card
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative rate will be 21.9% APR (variable).

  7. Great for
    0% interest on balance transfers for 18 months (2.99 % fee applies)
    This card can help to build your credit rating
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must transfer a balance within the first 60 days to get the promotional offer
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 24.9% p.a. (variable) your representative rate will be 24.9% APR (variable).

  8. Great for
    0% interest on purchases for three months
    If you're accepted for this card, you'll get the interest rate shown here
    If you stay within your credit limit and always repay on time, your interest rate could go down within 12 months
    But be aware that
    You must earn at least £3,000 a year to be eligible for this card
    You're not eligible if you've already got another Barclaycard credit card
    You’re not eligible if you’ve had more than one CCJ
     

    Representative Example:

     

    If you spend £1,200 at a purchase interest rate of 34.9% p.a. (variable) your representative rate will be 34.9% APR (variable).

Guide to Barclaycard credit cards

Barclaycard is the country’s largest credit card provider and offers wide range of cards including low standard rate cards, interest-free balance transfer cards and purchase cards. 

Bear in mind that the leading 0% offers, or low standard-rate cards are aimed at those with excellent credit histories. If yours is less than perfect, or you’ve never had credit before, you won’t qualify for these deals.

Barclaycard does, however, also offer cards for people with a limited credit history.

Barclaycard credit cards are fully regulated by the Financial Conduct Authority.

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

 

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

 
 

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.

Barclaycard

Balance transfer

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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

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  • No rewards

Balance transfer

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{{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'}})

EXPLORE MORE CREDIT CARDS

Guide to Barclaycard credit cards

Barclaycard is the country’s largest credit card provider and offers wide range of cards including low standard rate cards, interest-free balance transfer cards and purchase cards. 

Bear in mind that the leading 0% offers, or low standard-rate cards are aimed at those with excellent credit histories. If yours is less than perfect, or you’ve never had credit before, you won’t qualify for these deals.

Barclaycard does, however, also offer cards for people with a limited credit history.

Barclaycard credit cards are fully regulated by the Financial Conduct Authority.

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.