Barclaycard Platinum 18 Month Balance Transfer Visa review September 2019

Enjoy 0% interest for 18 months with Barclaycard's most accessible balance transfer deal.

Finder rating: ★★★★★

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).

18 months

0% interest on balance transfers

3 months

0% interest on purchases


Representative APR


Account fee


Annual/monthly fees£0
Balance transfers0% for 18 months reverting to 24.9%
Balance transfer fee2.99%
Purchases0% for 3 months reverting to 24.9%
Purchases interest-free periodUp to 56 days
Cash advances27.9%
Min. credit limit£50
Max credit limitNot specified
Additional cards available1
IncentiveBuy 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.

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

This is one of several balance transfer deals from Barclaycard, but expect others to require an excellent credit score. Barclaycard itself describes this card as being “for people with an average credit rating”. You can check your eligibility without hurting your credit score at the Barclaycard site, and you may find that you’re offered a different rate to the advertised “representative APR” (which banks must award to at least 51% of customers).

Transfer your existing card balance(s) to the and enjoy big savings on interest payments for over a year – helping you get debt-free sooner and more cheaply.

This card is offered on the visa network so it’s accepted at over 20 million locations worldwide. It’s all about clearing debt, so don’t expect perks aplenty, however you will be able to access exclusive pre-sale gig tickets and ticket discounts through Barclaycard Entertainment.

Ultimately, if you have existing card debt that’s not held with Barclaycard, and your credit record isn’t perfect, this card is well-worth a closer look.

Pros and cons

  • Exclusive discounts and pre-sale tickets for selected live events.
  • Less-strict eligibility criteria than other Barclaycards.
  • 3-month 0% period on purchases.
  • Designed to help clear debt, perks are scarce.
  • A fairly high transfer fee of 2.99%.
  • Only available to new customers.

Compare against other balance transfer credit cards for less-than-perfect credit

Table: sorted by length of 0% balance transfer offer, promoted deals first
Updated September 21st, 2019
Name Product Balance transfers Balance transfer fee Purchases Rep. APR Incentive Representative example
0% for 18 months reverting to 24.9%
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 9 months reverting to 29.94%
4% for 9 months reverting to 5%
29.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).

Compare up to 4 providers

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.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 731 0200), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Barclaycard Platinum 18 Month Balance Transfer Visa

If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, it’s a smart idea to quickly use Barclaycard’s “eligibility checker”, which can give you a good idea of your chances of approval before you apply. Crucially, because it uses a “soft” credit search, this tool won’t affect your credit score.

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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