Barclaycard Platinum All-Rounder Visa review 2021

Cut interest payments on existing card debt and spread the cost of upcoming expenditure with this 0% Purchase and Balance Transfer Barclaycard.

You say: ★★★★★We say: ★★★★★

No reviews yet. Write a review
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).

20 months

0% interest on balance transfers

21.9%

Representative APR

21 months

0% interest on purchases

£0

Account fee

Details

IssuerBarclaycard
NetworkVisa
Annual/monthly fees£0
Balance transfers0% for 20 months reverting to 21.9%
Balance transfer fee2.9% for 2 months reverting to 3%
Purchases0% for 21 months reverting to 21.9%
Purchases interest-free periodUp to 56 days
Cash advances21.9%
Min credit limit£50
Max credit limitNot specified
Additional cards available4
IncentiveBuy 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.

Review by


Chris Lilly is a publisher at finder.com. 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 Barclaycard Platinum card is something of a jack of all trades, with 0% periods on both purchases and balance transfers, a couple of perks, and no annual fees.

For those with existing card debt, the 0% period for balance transfers will appeal, and for those anticipating a large upcoming expenditure, the 0% period on purchases will appeal. If both apply to you, no problem.

The only downsides are the balance transfer fee and the fact that there are definitely longer 0% balance transfer periods available on the market.

Like most card issuers now, Barclaycard provide an online eligibility checker which can give you a good idea of your chances of getting approved for the card before you apply. Being a “soft” search his won’t affect your credit score (while submitting a full application can), so it’s worth doing.

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
  • Almost two years to spread the cost of purchases
  • No annual fee

Cons

  • Minimum annual income requirement of £20,000
  • Applicants with low credit scores are unlikely to be eligible
  • Don't forget that balance transfer fee! If cutting the interest on existing card debt is your main reason for considering this card, check out no-fee deals first
  • You may be offered an opening credit limit as low as £50

How does it compare?

Barclaycard's card

Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Barclaycard Platinum All-Rounder Visa
0% for 21 months reverting to 21.9%
0% for 20 months
(2.9% fee)
£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).
loading

Compare up to 4 providers

Other popular 0% purchases deals

Table: sorted by representative APR, promoted deals first
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
0% for 22 months reverting to 21.9%
0% for 22 months
(2.9% fee)
£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
Santander All in One Credit Card
0% for 20 months reverting to 17.9%
0% for 26 months
(0% fee)
£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
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
0% for 18 months
(2.9% fee)
£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
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0% for 12 months
(2.9% fee)
£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
Barclaycard Business Premium Plus Credit Card
0% for 6 months reverting to 14.9%
N/A
£150 per annum
49.4% APR (variable)
0.5% after £1 of yearly spend. Maximum of £400 cashback paid per year. Cashback paid Anniversary into Card Account. If less than £10 Cashback earned in any Cashback Year, it will not be credited to the account and will not be carried forward to the following year.
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £150 per annum, your representative rate is 49.4% APR (variable).
Go to site
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
37.7% 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 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Tesco Bank Purchases Card
0% for 23 months reverting to 20.94%
0% for 3 months
(2.99% fee)
£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).
Sainsbury's Bank Dual 22 Month Offer Credit Card Mastercard
0% for 22 months reverting to 20.95%
0% for 22 months
(3% fee)
£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).
MBNA 0% Transfer and Purchase Credit Card
0% for 21 months reverting to 21.93%
0% for 21 months
(2.99% fee)
£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).
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard
0% for 21 months reverting to 21.94%
0% for 18 months
(2.99% fee)
£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).
Barclaycard Platinum All-Rounder Visa
0% for 21 months reverting to 21.9%
0% for 20 months
(2.9% fee)
£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).
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
0% for 20 months
(1.99% fee)
£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).
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card
0% for 20 months reverting to 20.94%
0% for 20 months
(1.99% fee)
£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).
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
0% for 20 months
(1.99% fee)
£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).
NatWest Purchase & Balance Transfer Credit Card Mastercard
0% for 20 months reverting to 21.9%
0% for 20 months
(1.99% fee)
£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).
Virgin Money 19 Month All Round Credit Card Mastercard
0% for 19 months reverting to 21.9%
0% for 19 months
(2.9% fee)
£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).
Santander World Elite Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months
(0% fee)
£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).
Sainsbury's Bank Nectar Reward Credit Card
0% for 17 months reverting to 20.95%
0% for 17 months
(3% fee)
£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).
Halifax 0% Purchase and Balance Transfer Mastercard
0% for 17 months reverting to 21.93%
0% for 17 months
(2.99% fee)
£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).
first direct Gold Credit Card
0% for 17 months reverting to 16.9%
16.9%
(2.9% fee)
£0
16.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
0% for 17 months reverting to 21.93%
0% for 17 months
(2.99% fee)
£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).
TSB Platinum Purchase Card
0% for 15 months reverting to 21.95%
0% for 15 months
(1.45% fee)
£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).
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
0% for 15 months reverting to 20.94%
0% for 15 months
(1.99% fee)
£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).
Nationwide Member Credit Card All Rounder Offer
0% for 15 months reverting to 19.9%
0% for 15 months
(1.5% fee)
£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).
Virgin Money 12 Month All Round Credit Card Mastercard
0% for 12 months reverting to 27.9%
0% for 12 months
(2.9% fee)
£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).
Post Office Classic Card
0% for 12 months reverting to 34.94%
0% for 12 months
(2.9% fee)
£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).
Virgin Money Travel Credit Card
0% for 9 months reverting to 21.9%
0% for 9 months
(2% fee)
£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).
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard
0% for 9 months reverting to 21.94%
0% for 22 months
(1.99% fee)
£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).
John Lewis and Waitrose Partnership Mastercard
0% for 9 months reverting to 18.9%
0% for 18 months
(2.9% fee)
£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).
HSBC Premier Credit Card
0% for 9 months reverting to 18.9%
0% for 18 months
(1.4% fee)
£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).
Halifax Low Fee 0% Balance Transfer Credit Card
0% for 9 months reverting to 21.93%
0% for 29 months
(2.7% fee)
£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).
Bank of Scotland Platinum Low Fee 0% Balance Transfer credit card
0% for 9 months reverting to 21.93%
0% for 22 months
(1.99% fee)
£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).
HSBC Rewards Credit Card
0% for 6 months reverting to 21.9%
0% for 6 months
(2% fee)
£0
21.9% APR (variable)
Earn up to 10 points for every £1 spent at selected retailers and 1 point for every £5 spent elsewhere. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year for first 5 years.
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).
Barclaycard Platinum 24 Month Balance Transfer Credit Card
0% for 6 months reverting to 21.9%
0% for 24 months
(0.9% fee)
£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).
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa
0% for 6 months reverting to 21.9%
0% for 15 months
(0% fee)
£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).
loading

Compare up to 4 providers

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 151 0900). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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

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 the “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.

Frequently asked questions

What credit limit will I get with the Barclaycard Platinum All-Rounder 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 All-Rounder 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 All-Rounder 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 All-Rounder Visa abroad?

Non-sterling transactions are subject to a 2.99% charge. For example, if you spend 200 euros (£169.26), it'll cost you around £5.06 in fees.

What is the minimum payment on the Barclaycard Platinum All-Rounder Visa?

Each month you must pay at least 3.25% of your balance at that point or £5.00 – whichever of the two figures is greater. So if you had, say, £138.46 outstanding, you'd pay £5.00, and if you had £615.38 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.

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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site