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Barclaycard Financing Visa® review

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Get deferred financing on Apple purchases.

  • Get this card if you want to buy a new Apple product and pay it off in up to 18 months without interest.
  • Pick something else if you want to earn rewards on your purchases.
  • Apply with a good to an excellent credit score of 670 or higher for a better chance of approval.

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.

Card benefits

  • Special financing on Apple purchases. Get deferred financing on purchases made at the Apple Online Store, Apple Store or 1-800-MY-APPLE within your first 30 days of account opening. The length of the promo period is based on the purchase amount:
    • Six months for less than $499
    • Twelve months for $499 to less than $999
    • Eighteen months for $999 and over
  • No annual fee. Save money on interest on your Apple purchases without paying an annual fee.

What to watch out for

  • High interest if you don’t pay on time. You’ll be charged interest from the purchase date if you don’t pay off your balance in full by the end of the promotional date. This can result in hundreds of dollars of interest.
  • No intro APR period. Unlike a 0% intro APR card, you won’t get a 0% intro APR period on purchases or balance transfers.
  • Foreign transaction fees. Using this card abroad will incur a 3% fee of the amount of every transaction you make.

How to apply for the Barclaycard Financing Visa®

  1. Visit the Barclaycard website and locate the Barclaycard Financing Visa®.
  2. Click Apply now.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

Increase your chances of approval by applying with a good to an excellent credit score of 670 or higher.

Compare intro APR credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Double Cash Card
13.99% to 23.99% variable
0% intro for the first 18 months (then 13.99% to 23.99% variable)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Bottom line

If you’re looking to buy an Apple product and you want to pay off the purchase in up to 18 months, the Barclaycard Financing Visa® could be worth considering. Be aware that you’ll incur interest from the day you made the purchase if you don’t pay it off in full by the end of the promotional period.

Compare other credit cards if this card doesn’t suit your needs.

Frequently asked questions

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

For many of us, pricey Apple products such as iPhones or MacBooks can be a real financial burden. The Barclaycard Financing Visa® presents a nice solution, however. It allows cardholders to pay off Apple products in up to 18 months without interest.

Note that if you don’t pay your Apple purchase before the promotional period ends, you will incur interest from the moment you made the purchase.

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