Barclaycard Platinum 15 Month No Fee Balance Transfer Visa review

This card is no longer available, but you can use our review to find alternatives.

The Barclaycard Platinum 15 Month No Fee Balance Transfer Visa has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

You say: ★★★★★We say: ★★★★★

Potential costs: 4.5/5
Doing its job: 3.5/5
Extras: 3.5/5

In a nutshell:

0% periods on both purchases and balance transfers

There’s definitely longer 0% periods available

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

Tom Stelzer

Last Updated May 4, 2021

15 months

0% interest on balance transfers

Balance transfer fee

21.9%

Representative APR

£0

Account fee

Details

Issuer	Barclaycard
Network	Visa
Annual/monthly fees	£0
Min credit limit	£50
Max credit limit	Not specified
Credit limit note	Subject to status
Purchases	0% for 6 months reverting to 21.9%
Purchases interest-free period (days)	56
Balance transfers	0% for 15 months reverting to 21.9%
Additional cards available	4

Annual/monthly fees	£0
Minimum monthly payment	2.25% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.
Balance transfer fee	0%
Foreign usage charge (EU)	2.99%
Foreign usage charge (rest of world)	2.99%
Cash advance fee	2.99% (min. £2.99)
Late payment fee	£12
Duplicate statement fee	£0
Exceeding limit fee	£0
Additional card fee	£0
Replacement card fee	£0
Dormancy fee	£0

Review by

Tom Stelzer

tom.stelzer@finder.com

Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.

Expert review

When it comes to managing your spending, a 0% interest period on purchases can be extremely helpful, and this Barclaycard Platinum credit card offers exactly that, albeit only for a limited period.

And if you currently have existing credit card debt, you can also get a 0% interest period when moving your existing balance over, with no additional fees.

Ultimately, if you’re looking for both of the above, then this Barclaycard should make a good all-rounder option. But if you’re more specifically looking for either balance transfers or 0% purchases, there are dedicated cards for both that may offer better terms.

The Barclaycard Platinum 15 Month No Fee Balance Transfer Visa is issued on the Visa network (used by a whopping 3.3 billion cards), so you'll be able to use it at more than 46 million merchants across more than 200 countries and territories.

Pros and cons

Pros

Customers report excellent customer service when dealing with Barclaycard
Over a year of 0% interest to focus on reducing existing card debt
Six months to spread the cost of purchases
No balance transfer fee
No annual fee

Cons

Minimum annual income requirement of £20,000
You may be offered an opening credit limit as low as £50

Other balance transfer deals

Table: sorted by length of 0% balance transfer offer, promoted deals first

Name	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Santander Everyday Long Term Balance Transfer Credit Card	0% for 31 months reverting to 20.9%	2.75% (min. £5) for 31 months reverting to 3% (min. £5)	0% for 3 months reverting to 20.9%	£0	20.9% APR (variable)	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers. Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Transfer Plus Offer Mastercard	0% for 29 months reverting to 21.9%	2.75% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card	0% for 29 months reverting to 21.9%	2.85% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander All in One Credit Card	0% for 26 months reverting to 17.9%	0% for 26 months reverting to 3% (min. £5)	0% for 20 months reverting to 17.9%	£3 per month	23.7% APR (variable)	0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card	0% for 22 months reverting to 21.9%	2.9% (min. £5)	0% for 22 months reverting to 21.9%	£0	21.9% APR (variable)	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC No Fee Balance Transfer Credit Card Visa	0% for 20 months reverting to 21.9%	0% for 2 months reverting to 2% (min. £5)	21.9%	£0	21.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
Santander Everyday No Balance Transfer Fee Credit Card	0% for 18 months reverting to 20.9%	0% for 18 months reverting to 3% (min. £5)	0% for 3 months reverting to 20.9%	£0	20.9% APR (variable)	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers. Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)	0% for 18 months reverting to 21.9%	0%	0% for 3 months reverting to 21.9% p.a. (variable)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (eligibility criteria apply)	0% for 18 months reverting to 21.9%	0%	0% for 3 months reverting to 21.9% p.a. (variable)	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa	0% for 18 months reverting to 22.9%	2.9% (min. £5) for transfers in first 60 days	0% for 18 months reverting to 22.9%	£0	22.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
M&S Bank Rewards Offer Mastercard	0% for 12 months reverting to 19.9%	2.9% (min. £5)	0% for 12 months reverting to 19.9%	£0	19.9% APR (variable)	Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year. 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).	Check eligibility Read review	Compare	loading Fetching your data...
Tesco Bank Balance Transfer Card	0% for 30 months reverting to 20.94%	2.99% for 30 months reverting to 3.99%	20.94%	£0	20.9% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 30 Month Balance Transfer Credit Card Mastercard	0% for 30 months reverting to 21.95%	1.5% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 29 Month Balance Transfer Credit Card Mastercard	0% for 29 months reverting to 21.9%	2.7% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card	0% for 29 months reverting to 21.93%	2.69% for 2 months reverting to 5%	21.93%	£0	21.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax Low Fee 0% Balance Transfer Credit Card	0% for 29 months reverting to 21.93%	2.7% for 3 months reverting to 5%	0% for 9 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank 28 Month Balance Transfer Credit Card Mastercard	0% for 28 months reverting to 21.95%	1% (min. £3) for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
first direct Credit Card	0% for 27 months reverting to 18.9%	2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)	18.9%	£0	18.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 27 Month Balance Transfer Credit Card Mastercard	0% for 27 months reverting to 21.9%	1.2% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Balance Transfer Card	0% for 27 months reverting to 21.95%	2.95% for 3 months reverting to 5%	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Low Fee 0% Balance Transfer Credit Card	0% for 27 months reverting to 21.93%	1% for 2 months reverting to 5%	21.93%	£0	21.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	0% for 24 months reverting to 20.6%	0%	0% for 4 months reverting to 20.6%	£0	20.6% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum 24 Month Balance Transfer Credit Card	0% for 24 months reverting to 21.9%	0.9% for 2 months reverting to 1%	0% for 6 months reverting to 21.9%	£0	21.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Dual 22 Month Offer Credit Card Mastercard	0% for 22 months reverting to 20.95%	3% (min. £3)	0% for 22 months reverting to 20.95%	£0	20.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard	0% for 22 months reverting to 21.94%	1.99% for 3 months reverting to 5%	0% for 9 months reverting to 21.94%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card	0% for 22 months reverting to 21.93%	1.99% for 3 months reverting to 5%	0% for 9 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury’s Bank No Balance Transfer Fee Credit Card	0% for 21 months reverting to 21.95%	0% for 3 months reverting to 3% (min. £3)	0% for 3 months reverting to 21.95%	£0	21.9% APR (variable)	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	0% for 21 months reverting to 21.93%	2.99% for 2 months reverting to 5%	0% for 21 months reverting to 21.93%	£0	21.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card	0% for 20 months reverting to 20.94%	1.99% for 20 months reverting to 3.99%	0% for 20 months reverting to 20.94%	£0	20.9% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard	0% for 20 months reverting to 21.9%	1.99%	0% for 20 months reverting to 21.9%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard	0% for 20 months reverting to 21.9%	1.99%	0% for 20 months reverting to 21.9%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card Mastercard	0% for 20 months reverting to 21.9%	1.99%	0% for 20 months reverting to 21.9%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa	0% for 20 months reverting to 21.9%	2.9% for 2 months reverting to 3%	0% for 21 months reverting to 21.9%	£0	21.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 19 Month All Round Credit Card Mastercard	0% for 19 months reverting to 21.9%	2.9% for 2 months reverting to 5%	0% for 19 months reverting to 21.9%	£0	21.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
John Lewis and Waitrose Partnership Mastercard	0% for 18 months reverting to 18.9%	2.9% (min. £5) at anytime reverting to 3% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% APR (variable)	Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £4 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Read review	Compare	loading Fetching your data...
HSBC Premier Credit Card	0% for 18 months reverting to 18.9%	1.4% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% APR (variable)	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer Offer	0% for 18 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% APR (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).	Read review	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard	0% for 18 months reverting to 21.9%	0.49%	0% for 3 months reverting to 21.9%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard	0% for 18 months reverting to 21.94%	2.99% for 3 months reverting to 5%	0% for 21 months reverting to 21.94%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Santander World Elite Mastercard	0% for 18 months reverting to 18.9%	0% for 18 months reverting to 3% (min. £5)	0% for 18 months reverting to 18.9%	£15 per month	49.8% APR (variable)	0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Read review	Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card	0% for 17 months reverting to 20.95%	3% (min. £3)	0% for 17 months reverting to 20.95%	£0	20.9% APR (variable)	Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened. Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	0% for 17 months reverting to 21.93%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	0% for 17 months reverting to 21.93%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 21.93%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 16 Month Balance Transfer Credit Card Mastercard	0% for 16 months reverting to 27.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	£0	27.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer	0% for 15 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 15 months reverting to 19.9%	£0	19.9% APR (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).	Read review	Compare	loading Fetching your data...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard	0% for 15 months reverting to 20.94%	1.99% for 15 months reverting to 3.99%	0% for 15 months reverting to 20.94%	£0	20.9% APR (variable)	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Read review	Compare	loading Fetching your data...
TSB Platinum Purchase Card	0% for 15 months reverting to 21.95%	1.45% for 3 months reverting to 5%	0% for 15 months reverting to 21.95%	£0	21.9% APR (variable)	Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA No Fee 0% Balance Transfer Credit Card	0% for 15 months reverting to 21.93%	0% for 2 months reverting to 5%	21.93%	£0	21.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).		Compare	loading Fetching your data...
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa	0% for 15 months reverting to 21.9%	0% for 2 months reverting to 1%	0% for 6 months reverting to 21.9%	£0	21.9% APR (variable)	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Read review	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card	0% for 12 months reverting to 22.93%	4% for 2 months reverting to 5%	22.93%	£0	22.9% APR (variable)	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard	0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	£0	22.9% APR (variable)	Receive 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad. Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Read review	Compare	loading Fetching your data...
Virgin Money 12 Month All Round Credit Card Mastercard	0% for 12 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 12 months reverting to 27.9%	£0	27.9% APR (variable)	Enjoy exclusive offers and rewards on the Virgin Red app. Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Read review	Compare	loading Fetching your data...
Post Office Classic Card	0% for 12 months reverting to 34.94%	2.9%	0% for 12 months reverting to 34.94%	£0	34.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Read review	Compare	loading Fetching your data...

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Approval for any credit card will depend on your status. The representative APRs shown represent 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

You can make manual repayments through Barclaycard's app, by logging in to your online banking or over the phone (0800 731 0200). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 15 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

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

Sorry – Barclaycard is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Frequently asked questions

What credit limit will I get with the Barclaycard Platinum 15 Month No Fee Balance Transfer Visa?

If Barclaycard is able to offer you this deal, the offer will specify a personalised credit limit based on Barclaycard's assessment of your situation. The minimum limit offered on this card is £50 and Barclaycard does not specify a maximum. Once you've had the card for a while and shown Barclaycard that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Barclaycard Platinum 15 Month No Fee Balance Transfer Visa?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Barclaycard Platinum 15 Month No Fee Balance Transfer Visa is 2.99% (min. £2.99). For example, if you withdraw £50, you'll incur a fee of £2.99. Withdraw £250, and you'll incur a fee of £7.48.

The interest rate on this part of your balance will be 21.9%, which is the same as the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Barclaycard Platinum 15 Month No Fee Balance Transfer Visa abroad?

Non-sterling transactions are subject to a 2.99% charge. For example, if you spend 200 euros (£169.29), it'll cost you around £5.06 in fees.

What is the minimum payment on the Barclaycard Platinum 15 Month No Fee Balance Transfer Visa?

Each month you must pay at least 2.25% of your balance at that point or £5.00 – whichever of the two figures is greater. So if you had, say, £200.00 outstanding, you'd pay £5.00, and if you had £888.89 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires.

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Our experts score balance transfer cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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Minimum Age	21
Minimum income	£20,000
Availability	Available to new customers

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Barclaycard Platinum 15 Month No Fee Balance Transfer Visa review