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

- Provider/Product name
  Barclaycard
  
  Platinum Travel Card
- Balance transfer14.9%
  
  -
- Purchases14.9%
- RewardsEntertainment
- Representative APR (variable)14.9%APR
- Your chance of approval
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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).
- Provider/Product name
  Barclaycard
  
  Platinum 37 Months Balance Transfer
- Balance transfer0%37 monthsThen 18.9%
  
  1.4% fee
- Purchases0%6 monthsThen 18.9%
- RewardsEntertainment
- Representative APR (variable)18.9%APR
- Your chance of approval
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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).
- Provider/Product name
  Barclaycard
  
  Platinum 32 Months Balance Transfer
- Balance transfer0%32 monthsThen 18.9%
  
  0.6% fee
- Purchases0%6 monthsThen 18.9%
- RewardsEntertainment
- Representative APR (variable)18.9%APR
- Your chance of approval
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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).
- Provider/Product name
  Barclaycard
  
  Platinum Purchase Offer
- Balance transfer0%25 monthsThen 18.9%
  
  1.49% fee
- Purchases0%25 monthsThen 18.9%
- RewardsEntertainment
- Representative APR (variable)18.9%APR
- Your chance of approval
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  More details
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).
- Provider/Product name
  Barclaycard
  
  Platinum 24 Months
- Balance transfer0%24 monthsThen 18.9%
  
  0% fee
- Purchases0%6 monthsThen 18.9%
- RewardsEntertainment
- Representative APR (variable)18.9%APR
- Your chance of approval
  Will you get this card?
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  More details
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).
- Provider/Product name
  Barclaycard
  
  Freedom Rewards Card
- Balance transfer0%12 monthsThen 21.9%
  
  0.15% fee
- Purchases0%12 monthsThen 21.9%
- RewardsRewards
- Representative APR (variable)21.9%APR
- Your chance of approval
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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).
- Provider/Product name
  Barclaycard
  
  Platinum Balance Transfer
- Balance transfer0%18 monthsThen 24.9%
  
  2.99% fee
- Purchases0%3 monthsThen 24.9%
- RewardsEntertainment
- Representative APR (variable)24.9%APR
- Your chance of approval
  Will you get this card?
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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).
- Provider/Product name
  Barclaycard
  
  Initial with Purchases
- Balance transfer34.9%
  
  -
- Purchases0%3 monthsThen 34.9%
- RewardsEntertainment
- Representative APR (variable)34.9%APR
- Your chance of approval
  Will you get this card?
  Start >>
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  More details
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).

See 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.

Balance transfer

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Purchases

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Rewards

No rewards

Representative APR % APR

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Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.

Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.

Discover our money saving products

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.

Compare Barclaycard credit cards - Sorted by APR

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Guide to Barclaycard credit cards

Your personalised chance of approval

Why is this important?

It's easy!

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Guide to Barclaycard credit cards