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Barclaycard Credit Cards

Barclaycard offers a suite of credit cards covering various areas of interest: purchases, balance transfers, no-fee travel and rewards. Barclaycard offers a free eligibility checker, which can be used to find your odds of being accepted without leaving a harmful mark on your credit history. Choosing a credit card for you will depend on your individual needs.

Barclaycard Credit Cards

We've analyzed some of the Barclaycards available in the market according to fees, 0% promotional periods and rewards. There may be other cards with better features, which we have not mentioned below.

Also, balance transfer deals change regularly, so the data below may not reflect the current market terms or fees. Please use the information on this page to help you learn about how balance transfers work. Be sure to check card specifics for yourself before deciding on any particular credit card.

Barclaycard Initial Card

As a credit-builder card, the Barclaycard Initial has a higher-than-average interest rate of 34.9% APR (variable) but cardholders may see their rate come down by 5% over two years of responsible financial management—always paying on time, paying at least the minimum each month and staying under the credit limit.

Free text and email alerts can help with account management.

Summary

  • Initial credit limits between £150 and £1,200
  • 0% on purchases for 3 months
  • Free ongoing access to Experian Credit Score
  • Free text and email alerts plus mobile app
  • 34.9% variable APR on purchases and balance transfers

Barclaycard Platinum Purchases Card (0% for 26 Months)

The Barclaycard Platinum Purchases Card has a promotional period with 0% interest on new spending and on balance transfers for managing existing debt. Main features are a longer-than-average 26-month 0% promotional period on purchases, accompanied by a 1.99% initial fee on balance transfers. Be sure to pay at least the minimum monthly payment on time, or you'll lose the promotional 0% rates.

Summary

  • 0% APR promotional period on purchases for 26 months
  • 0% APR promotional period on balance transfers for 26 months
  • 1.99% initial balance transfer fee
  • Offer good for balances transferred within first 60 days
  • 19.9% variable APR on purchases and balance transfers

Best Balance Transfer Deal (Barclaycard Platinum 30-Month Balance Transfer)

The Barclaycard Platinum 30-month balance transfer offer is a medium-length balance transfer duration, charging 0.55% for initial transfers made in the first 60 days. It is important to note that you are initially charged a 3.5% fee per balance transfer. Part of this fee is refunded, bringing the net fee to 0.55%. Weaker credit applications may receive a shorter no-interest period of 16 months. Be sure to pay at least the minimum monthly payment on time, or you'll lose the promotional 0% rates.

Summary

  • Relatively low balance transfer fee of 0.55% (initially 3.5%, then partially refunded)
  • 0% APR promotional period on balance transfers for 30 months
  • May receive a shorter no-interest period (16 months instead of 32)
  • Offer good for balances transferred within first 60 days
  • 0% APR promotional period on purchases for 6 months
  • 19.9% variable APR on purchases and balance transfers

Travel (Barclaycard Platinum Travel Credit Card)

The Barclaycard Platinum Travel Credit Card charges no fees on non-sterling ATM withdrawals or transactions made abroad. Another feature is that no interest will be charged on foreign-currency cash withdrawals made overseas, so long as the balance is paid off in full, by the due date. This detail gives you up to 56 days interest free (from the date of the transaction until the next statement date). The current "no non-sterling transaction fees on your foreign spend and ATM withdrawals abroad" promotion ends on 31 August 2022.

Summary

  • No fees on non-sterling ATM withdrawals or transactions abroad (Fees increase after 31 August 2022)
  • No interest charges on non-sterling cash withdrawals, if balance paid off in full and on time
  • 19.9% variable purchase APR
  • 27.9% variable cash withdrawal APR

Hotel Rewards (Hilton HHonors Platinum Visa Card)

The Hilton HHonors Platinum Visa card is a hotel-branded credit card that delivers rewards rates around 1.5% on Hilton spending and 1% on all other spending. The welcome bonus is a free night e-certificate earned by spending £750 in first 90 days. For every £1 you spend on the Hilton HHonors card at participating hotels within the Hilton Worldwide portfolio, you'll earn 3 HHonors Bonus Points. Every £1 spent elsewhere earns you 2 HHonors Bonus Points. HHonors Points can also be exchanged for miles at Virgin Atlantic, Hawaiian Airlines, or Sri Lankan Airlines, according to the following exchange rates:

Transferring HHonors Points to Air Rewards Programs
15,000 HHonors Points=10,000 HawaiianMiles=10,000 Virgin Flying Club miles
10,000 HHonors points=20,000 FlySmiLes miles

Summary

  • Rewards rates around 1.5% on participating Hilton Worldwide purchases and 1% elsewhere
  • Silver Elite Status while you have the card
  • Gold Elite Status when you spend £10k in a calendar year
  • On free night e-certificate (when you spend £750 in first 90 days)
  • Earn 2,500 Bonus Points for each of your first four stays in your first 12 months
  • No annual fee
  • 18.9% variable APR on purchases
  • 27.9% variable APR on cash withdrawals (plus 2.99% fee, £2.99 minimum per transaction)

Summary of Barclaycard Credit Cards

Here is a quick recap of some of Barclaycard's credit cards. This list does not include all Barclaycard offerings. There may be other credit cards with better features that we have not listed here.

For...CardQuick Overview
Credit BuildingBarclaycard Initial34.9% variable APR; interest rate may drop by 5% over two years
All Around - Purchases and Balance TransferBarclaycard Platinum Purchases Card0% on purchases and balance transfers for 26 months; 1.99% initial balance transfer fee
Balance Transfer DealBarclaycard Platinum 30-Month Balance Transfer0% on balance transfers for 30 months; Effective 0.55% transfer fee; 0% on purchases for 6 months
No-Fee Travel UseBarclaycard Platinum Travel CardNo fees on non-sterling ATM withdrawals or transactions abroad; Grace period on cash interest
Hotel RewardsHilton HHonors Platinum Visaearn 3 HHonors Bonus Points. Every £1 spent elsewhere earns you 2 HHonors Bonus Points.

Who is Suited to a Barclaycard?

Before you apply, you can check to see how likely you are to be accepted by completing Barclaycard's eligibility checker. Before that, however, here is some guidance as to who Barclaycards are most suitable for:

  • Aged 21 or over
  • No IVAs, CCJs or been declared bankrupt in the past six years
  • At least four years' experience of managing credit
  • Permanent UK address for at least three months
  • Have a personal income of more than £20,000 per annum
  • Always make payments on time
  • Able to afford repayments on outstanding credit commitments

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