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Barclaycard balance transfer credit cards

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A wide selection of travel credit cards with intro APRs.

If you want a travel product with a strong intro APR for balance transfers, Barclaycard might be right for you. It offers a variety of cobranded products with zero-interest periods. Two notable exceptions are the Hawaiian Airlines® World Elite Mastercard® and Uber Visa Card.

Compare Barclaycard balance transfer credit cards

Most Barclaycard travel products typically have a 15-month zero-interest intro APR period.

Name Product Intro Balance Transfer APR Balance Transfer Fee Recommended Minimum Credit Score
0% for the first 12 billing cycles (then 18.24%, 22.24% or 25.24% variable)
$5 or 3% of the transaction, whichever is greater
720
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
0% for the first 15 months (then 14.24% variable)
See issuer terms
670
Enjoy a 0% intro APR on balance transfers for the first 15 months, then a low ongoing APR of 14.24% variable.
0% for the first 15 billing cycles (then 16.24%, 21.24% or 26.24% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn 5,000 points after first purchase enough to redeem for a $50 onboard credit.
0% for the first fifteen billing cycles (then 17.49%, 22.24% or 27.24% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn 32,000 bonus points after you spend $1,000 on purchases in the first 90 days.
0% for the first 15 billing cycles (then 16.24%, 21.24% or 26.24% variable)
$5 or 3% of the transaction, whichever is greater
670
Earn 10,000 bonus FunPoints after you use your card for the first time. That's enough to redeem for a credit of up to $100 toward your next cruise purchase on Carnival.

Compare up to 4 providers

What are the benefits of a balance transfer with Barclaycard?

Here why you might want to use Barclaycard to make a balance transfer:

Many cards have intro APRs.

The vast majority of Barclaycard’s portfolio gives you a balance transfer intro APRs between 12 and 15 months.

There’s a balance transfer card with a relatively low ongoing APR.

The Barclaycard Ring® Mastercard® offers a 14.24% Variable APR for balance transfers after the intro period ends. This might be helpful if you don’t plan on paying off your transfer by the time your intro APR expires.

Earn rewards with most cards.

Barclaycard’s balance transfer cards can also be used to earn rewards redeemable for flights, hotel stays, cruises and more.

What are the drawbacks of a balance transfer with Barclaycard?

Beware of these pitfalls before applying for a Barclaycard product:

Flagship cards tend to have weaker intro APRs — or none at all.

The Barclaycard Arrival® Plus World Elite Mastercard® has a 0% intro APR for 12 months on eligible balance transfers. After that, a 18.24%, 22.24% or 25.24% variable APR applies. But many other Barclaycard products offer 15-month intro APRs.

You also won’t find an intro APR for the Hawaiian Airlines® World Elite Mastercard® or Uber Visa Card.

You’ll find longer intro APRs elsewhere.

While most Barclaycard balance transfer cards offer a 15-month intro APR, other providers offer intro APRs of 18 to 21 months.

You can’t get a 0% intro APR and waived balance transfer fees.

If you’re looking for a combination of an intro APR period and a no-balance-transfer-fee offer, check out the Chase Slate® credit card.

Barclaycard’s closest product is the Barclaycard Ring® Mastercard®. It offers an intro APR for balance transfers. But transfer fees are waived only for transactions that post to your account after the first 45 days from account opening. By that time, your transfers will accrue interest at the normal rate.

Only balance transfers made within the first 45 days of account opening qualify for the intro APR.

Some providers give you wider windows to qualify for an intro APR. For example, the Citi® Double Cash Card offers a 0% intro APR for 18 months on balance transfers completed within the first four months of account opening. After that, a 15.74% to 25.74% Variable applies.

What debts are eligible for a balance transfer with Barclaycard?

You can transfer debt from …
  • Non-Barclaycard credit cards.
You can’t transfer debt from …
  • Barclaycard credit cards.

Can I transfer balances to another Barclaycard card?

No, you can’t transfer a balance from one Barclaycard product to another.

This is because providers use balance transfer promotions to attract customers from other banks. If a provider offers you an intro APR, it could be losing out on a lot of interest payments. However, it hopes the investment will pay off in the long run.

Eligibility requirements

To apply for a Barclaycard product, you must:

  • Be least 18 years old.
  • Be a resident of the US. Residents of Iowa and US territories are not eligible.
  • Have a valid Social Security number or taxpayer ID.

Barclay signage

What do I need to apply?

Here’s what you need to apply for a Barclaycard credit card:

  • Full name
  • Permanent address, time at address and residence status
  • Occupation and total annual gross income
  • Phone number and email address
  • Citizenship status, date of birth, Social Security number and mother’s maiden name
  • Optional: Major credit card number and requested transfer amount, if you want a balance transfer

How to apply for a balance transfer with Barclaycard

  1. Pick a Barclaycard product and check its balance transfer details.
    Compare cards Barclaycard balance transfer cards in the table above. Check out each card’s interest rates and fees.
  2. Apply for the card.
    Click Apply now to start the application process. Complete the form with your personal and financial details.
    Request a balance transfer and add a major credit card number and your requested balance transfer amount.
  3. Wait for your balance transfer to complete.
    Keep making payments on your debt to existing creditors until your transfer is complete. Call Barclaycard support at 866-928-8598 if you have any questions.
  4. Confirm your personalized balance transfer details.
    If you’re approved, Barclaycard will send you individual terms for your card. Check your card’s ongoing APR. Also, note when your intro APR ends.

How long will it take to complete a balance transfer with Barclaycard?

Barclaycard will process your balance transfer 10 days after it mails your card. It may take up to four weeks for the transfer to post to your other accounts.

I got the card. Now what?

  • Confirm that your balance transfer has posted. Log in to your Barclaycard online account to view your balance transfer. You can also call Barclaycard support to verify your transfer has posted.
  • Make payments on time. Consider making a plan to pay off your transfer before your intro APR expires. Card providers occasionally revoke intro APRs if cardholders pay late.
  • Contact customer support. If you have questions about your account, call Barclaycard support. You can also tweet Barclaycard support @AskBarclaysUS.

Bottom line

Barclaycard is an especially good choice if you want a balance transfer through a cobranded travel card.

Though the Barclaycard Arrival® Plus World Elite Mastercard® doesn’t have the strongest intro APR, it offers attractive rewards. And the Barclaycard Ring® Mastercard® has a relatively low ongoing APR.

If you’re not sure a Barclaycard card is best for your balance transfer, consider cards from other providers like Chase and Bank of America

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