Compare Barclaycard balance transfer offers for October 2019

One of the biggest hitters in the balance transfer game, Barclaycard offers an impressive selection of transfer deals.

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While most card issuers will normally only offer a single balance transfer card, Barclaycard has a bunch of them.

For those transferring a small sum and who don’t need years to pay it off, there’s a no-transfer-fee deal. And for those who simply need as long as possible to clear their debt, Barclaycard is frequently battling it out with the likes of Virgin Money and MBNA for the longest 0% period on the market.

Frustratingly, you can’t balance transfer a balance from another Barclaycard or from any card that’s issued by the Barclays Group. So, if you’re an existing customer and you’re looking for a balance transfer, you may wish to compare deals from the whole market here.

Barclaycard 0% balance transfer credit cards

Table: sorted by length of 0% balance transfer offer, promoted deals first
Updated October 16th, 2019
Name Product Balance transfers Balance transfer fee Purchases Rep. APR Incentive Representative example
0% for 18 months reverting to 24.9%
2.99%
0% for 3 months reverting to 24.9%
24.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
0% for 28 months reverting to 19.9%
1.75% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9% p.a. (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 27 months reverting to 19.9%
2.7% for transfers in first 60 days
0% for 27 months reverting to 19.9%
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 18 months reverting to 19.9%
0% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

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Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How do Barclaycard balance transfers work?

  1. If you’ve found a deal that you like, use Barclaycard’s “Check your eligibility” service to find out if it’s worth your while applying. This involves a “soft search” of your credit file, so it won’t affect your credit rating. If Barclaycard can’t offer you the card you’ve selected, it may suggest a different balance transfer card that it can.
  2. Next, you can apply using the straightforward online application form. Along with all the usual info, you’ll need to provide your address history for the past two years as well as details of your income and your main bank account.
  3. During the application, you’ll be able to give details of the balance(s) you’d like to transfer. Naturally, you’ll need the card details to hand. You could leave this until later, but bear in mind that there may be a specified window (typically 60 days) in which you must transfer a balance in order to take advantage of the 0% offer.

While you’re paying off the balance you’ve transferred, you’ll still be able to enjoy up to 56 days interest free on new purchases, provided you pay off your main balance in full and on time each month.

How long does a Barclaycard balance transfer take?

Following your application, you can receive your Barclaycard in as little as five working days. You should activate it straightaway. From that point, Barclaycard gets a little vague, stating that “Once your balance transfer request has been processed, payment will be received by your bank or card issuer by the end of the next working day.” Bear in mind that requests won’t be processed outside of business hours.

How should I compare Barclaycard balance transfers?

Here are some of the key features you’ll want to look at when deciding which Barclaycard balance transfer offer might be the best option for you:

  • Length of 0% period. Divide your balance by the number of months in the 0% deal to see how much you’d need to pay each month to clear your debt before the promotion expires. If you think you could clear the balance in even less time, then you might want to look at shorter deals with lower balance transfer fees.
  • Balance transfer fee. This will be a percentage of the balance that you plan on transferring, so for larger balances, it becomes more significant.
  • Purchase rate. This is the rate that’ll apply to any purchases you make on the card, and it’s also usually the rate that’ll apply if you haven’t cleared your balance by the end of the 0% period.

Other frequently asked questions

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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2 Responses

  1. Default Gravatar
    SagarikaSeptember 6, 2019

    I paid off all my balance transfer 2 weeks ago and how long do I have to wait for another interest free offer? Thanks

    • Avatarfinder Customer Care
      nikkiangcoSeptember 7, 2019Staff

      Hi Sagarika,

      Thanks for getting in touch! Given that all balance transfers are paid, you can apply for another one for as long as your contract has fully ended. Contact your bank to see how you can start up another balance transfer program with them.

      Hope this helps!

      Best,
      Nikki

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