Barclaycard balance transfer credit cards

Despite many providers axing their balance transfer offers in early 2020, Barclaycard held strong and maintained a great number of their offers. The trade off: most of them are attached to their cobranded travel products. The notable exceptions are the Hawaiian Airlines® World Elite Mastercard® and all business credit cards. Here’s how to apply for a balance transfer with Barclaycard and which cards are currently offer the feature.

Compare Barclaycard balance transfer credit cards

While most Barclaycard balance transfer offers are similar in terms, the cards they’re attached to vary heavily. When choosing a balance transfer card, you’ll want to pick primarily based on your travel preferences since many of them are cobranded cards and will benefit most when you spend or redeem with that company.

How to do a balance transfer with Barclaycard

1. Pick a Barclaycard product and check its balance transfer details.
   Compare cards Barclaycard balance transfer cards. 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. Submit your application.
   Review your information before submitting.
4. Wait for your balance transfer to complete.
   Keep making payments on your debt to existing creditors even after you’re approved for your card — and until your transfer is complete. Your transfer might take up to a few weeks. Call Barclaycard support at 866-928-8598 if you have any questions.
5. 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 to do a balance transfer with Barclaycard by phone

1. Call the Barclaycard support number on the back of your credit card.
2. Give the required security information to the representative, as well as the details of your previous credit card and how much you wish to transfer.
3. Get confirmation from the representative that your balance transfer is initiated.
4. Wait for your balance transfer to complete, which can take up to a few weeks. In the meantime, continue making payments to your previous card issuer.

How to do a balance transfer with Barclaycard online

1. Log in to your online Barclaycard account.
2. Under Transfers & offers in the main menu, click Money & balance transfers.
3. You’ll see balance transfer offers you qualify for. Select the appropriate offer for you.
4. Input details of your balance transfer, including the details of your previous credit card and how much you wish to transfer.
5. Confirm your information and submit your transfer.
6. Wait for your balance transfer to complete, which can take up to a few weeks. In the meantime, continue making payments to your previous card issuer.

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.

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.
• 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.
  You won’t find an intro APR for the Hawaiian Airlines® World Elite Mastercard® or the Barclaycard business credit cards.
• 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 up 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 SunTrust Prime Rewards Credit Card.
• 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 4 months of account opening. After that, a 13.99% to 23.99% variable APR applies.

A top alternative for a balance transfer
Citi® Diamond Preferred® Card

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• 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
• Get free access to your FICO® Score online.
• With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
• Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
• The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Barclaycard balance transfer credit cards frequently asked questions

Here’s a roundup of some of the nitty gritty details you’ll want to know before you apply.

What debts are eligible for a balance transfer with Barclaycard?

What is the maximum balance transfer I can make to a Barclaycard card?

The maximum transfer is $20,000, including fees, and you must stay within your credit limit.

Do I have to pay off my balance transfer before my intro APR expires?”

No. You’re welcome to carry a balance as your intro APR expires. However, that balance will start accruing interest at the ongoing APR.

How do I make a balance transfer after I’ve submitted my application?

Call the number on the back of your card and speak with a Barclaycard representative.

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.

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

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.

Barclaycard balance transfer credit cards alternatives

If you’re not interested in Barclaycard’s assortment of balance transfer travel cards, you have a few other options available. As of February 2021, Citi balance transfer cards are among the best on the market. You also still have options from TD Bank and Bank of America, as well as USAA.

Bottom line

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

If you’re not sure a Barclaycard card is best for your balance transfer, consider the top cards from other providers.