Barclaycard Platinum 18 Month Balance Transfer Card review 2020

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

You say: ★★★★★We say: ★★★★★

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


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 this Barclaycard card 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 January 27th, 2020
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Rep. APR Incentive Representative example
Barclaycard Platinum 18 Month Balance Transfer Visa
0% for 18 months reverting to 24.9%
0% for 3 months reverting to 24.9%
24.9% (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).
Fluid Mastercard
0% for 9 months reverting to 29.94%
4% for 9 months reverting to 5%
29.9% (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).
Post Office Money Classic Credit Card
0% for 18 months months reverting to 34.9%
0% for 12 months reverting to 34.9%
34.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 34.9%% (variable) p.a., your representative rate is 34.9% 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 protects you from forgetting to make a repayment – which could hurt your credit score, terminate and promotional rates and result in a penalty fee.

If you’re transferring a balance to Barclaycard, you could divide this balance by 18 and arrange to pay that amount each month to get yourself debt-free before the 0% period expires. This figure won’t take into account any additional spending on the card.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available with this particular Barclaycard.

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’ve 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, and you don’t need to enter masses of personal data (but you will need to provide three years’ address history).

The eligibility check will tell you all of the Barclaycards you could apply for and stand a strong chance of being approved for. You can choose the one you’re after and formally apply for it. Most applications will get an instant decision, and you card will arrive in the post between one and two weeks later.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though 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, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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