Earn cashback on your day-to-day spending and enjoy 0% fees on non-sterling transactions.
For those who don’t carry a card balance from month-to-month, cashback deals such as this, with no annual fee, offer a way to make your money go a little further. The cashback you build up while spending will be credited monthly to your account. If you do carry a balance from month to month, then the amount you’ll pay in interest is likely to outweigh the amount you’ll earn in cashback.
If you’re planning on taking this card abroad to benefit from the fee-free overseas spending offer, remember to pay or take out cash in the local currency.
Like all Barclaycards, this card comes with a number of handy extras, including pre-sale tickets and discounts on selected gigs and festivals through Barclaycard entertainment.
|Cashback details||0.5% after £1 of yearly spend for introductory period of 3 months. 0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Cashback on purchases until 31.8.23. Maximum spend for cashback purposes is limited to credit limit.|
|Additional Rewards Info||No non-sterling transaction fees on foreign spend and ATM withdrawal until 31.8.23. 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.|
|Purchases interest-free period (days)||56|
|Balance transfer fee||3.5%|
|Foreign usage charge (EU)||0%|
|Foreign usage charge (rest of world)||0%|
|Cash advance fee||2.99% (min. £2.99)|
|Late payment fee||£12|
|Duplicate statement fee||£2|
|Exceeding limit fee||£12|
|Additional card fee||£0|
|Replacement card fee||£0|
|Availability||Available to new customers|
How does this card compare with other cashback cards?
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 Cashback Plus 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 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.