|
|
|
0% for 27 months reverting to 19.9%
|
0% for 27 months reverting to 19.9%
|
£0
|
19.9%
|
|
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.
|
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).
|
|
|
|
|
|
0% for 20 months reverting to 19.9%
|
0% for 20 months reverting to 19.9%
|
£0
|
19.9%
|
|
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).
|
|
|
|
|
|
0% for 18 months reverting to 22.9%
|
N/A
|
£0
|
22.9%
|
|
Earn 1 Membership Rewards® point for every £1 spent.
|
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).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
0% for 20 months reverting to 19.9%
|
£0
|
19.9%
|
|
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.
|
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).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
0% for 28 months reverting to 19.9%
|
£0
|
19.9%
|
|
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.
|
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).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
0% for 6 months reverting to 19.9%
|
£0
|
19.9%
|
|
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 or 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).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
0% for 26 months reverting to 19.9%
|
£0
|
19.9%
|
|
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.
|
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).
|
|
|
|
|
|
0% for 27 months reverting to 20.93%
|
0% for 27 months reverting to 20.93%
|
£0
|
20.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
|
|
|
|
|
|
0% for 27 months reverting to 20.95%
|
0% for 27 months reverting to 20.95%
|
£0
|
20.9%
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
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).
|
|
|
|
|
|
0% for 27 months reverting to 20.95%
|
0% for 3 months reverting to 20.95%
|
£0
|
20.9%
|
|
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
|
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).
|
|
|
|
|
|
0% for 26 months reverting to 19.944%
|
0% for 3 months reverting to 21.814%
|
£0
|
19.9%
|
|
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 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 26 months reverting to 18.9%
|
0% for 12 months reverting to 11.9%
|
£0
|
18.9%
|
|
|
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).
|
|
|
|
|
|
0% for 26 months reverting to 18.9%
|
0% for 12 months reverting to 11.9%
|
£0
|
18.9%
|
|
|
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).
|
|
|
|
|
|
0% for 26 months reverting to 15.9%
|
0% for 26 months reverting to 15.9%
|
£3 per month
|
21.7%
|
|
Free access to preferential rates, exclusive offers and discounts at 123 World.
|
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
|
|
|
|
|
|
0% for 24 months reverting to 19.9%
|
0% for 24 months reverting to 19.9%
|
£0
|
19.9%
|
|
|
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).
|
|
|
|
|
|
0% for 23 months reverting to 21.9%
|
0% for 23 months reverting to 21.9%
|
£0
|
21.9%
|
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
|
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).
|
|
|
|
|
|
0% for 20 months reverting to 19.94%
|
0% for 20 months reverting to 19.94%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 21.9%
|
0% for 12 months reverting to 21.9%
|
£0
|
21.9%
|
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
|
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).
|
|
|
|
|
|
0% for 20 months reverting to 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 18.9%
|
0% for 20 months reverting to 18.9%
|
£0
|
18.9%
|
|
Receive regular offers and discounts from top brands.
|
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).
|
|
|
|
|
|
0% for 20 months reverting to 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 20 months reverting to 23.9%
|
0% for 20 months reverting to 23.9%
|
£0
|
23.9%
|
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
|
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
|
|
|
|
|
|
0% for 18 months reverting to 18.9%
|
0% for 18 months reverting to 18.9%
|
£15 per month
|
49.8%
|
|
Global Wi-Fi provided through Boingo.
|
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).
|
|
|
|
|
|
0% for 18 months reverting to 22.9%
|
0% for 18 months reverting to 22.9%
|
£0
|
22.9%
|
|
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).
|
|
|
|
|
|
0% for 17 months reverting to 16.9%
|
16.9%
|
£0
|
16.9%
|
|
Earn cashback with selected retailers via Visa Offers, customers can register up to five separate first direct Visa cards.
|
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).
|
|
|
|
|
|
0% for 16 months reverting to 27.9%
|
0% for 16 months reverting to 27.9%
|
£0
|
27.9%
|
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
|
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).
|
|
|
|
|
|
0% for 15 months reverting to 19.944%
|
0% for 15 months reverting to 21.814%
|
£0
|
19.9%
|
|
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 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 21.9%
|
0% for 12 months reverting to 21.9%
|
£0
|
21.9%
|
|
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
|
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).
|
|
|
|
|
|
0% for 12 months reverting to 17.9%
|
0% for 12 months reverting to 17.9%
|
£0
|
17.9%
|
|
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.94%
|
0% for 24 months reverting to 19.94%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.95%
|
0% for 24 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.944%
|
0% for 12 months reverting to 21.814%
|
£0
|
19.9%
|
|
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 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 19.95%
|
0% for 24 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 15.9%
|
0% for 12 months reverting to 15.9%
|
£0
|
15.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
|
|
|
|
|
|
0% for 12 months reverting to 18.9%
|
0% for 1 months reverting to 18.9%
|
£0
|
18.9%
|
|
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
|
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).
|
|
|
|
|
|
0% for 10 months reverting to 26.95%
|
0% for 10 months reverting to 26.95%
|
£0
|
26.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).
|
|
|
|
|
|
0% for 9 months reverting to 27.95%
|
0% for 18 months reverting to 27.95%
|
£0
|
27.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
|
|
|
|
|
|
0% for 9 months reverting to 18.9%
|
0% for 18 months reverting to 18.9%
|
£0
|
18.9%
|
|
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 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. Receive a £25 bonus voucher in the first 90 days of opening if £200 spent in store or online.
|
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).
|
|
|
|
|
|
0% for 9 months reverting to 18.9%
|
0% for 18 months reverting to 18.9%
|
£0
|
18.9%
|
|
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).
|
|
|
|
|
|
0% for 9 months reverting to 27.95%
|
0% for 18 months reverting to 27.95%
|
£0
|
27.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
|
|
|
|
|
|
0% for 8 months reverting to 18.9%
|
0% for 8 months reverting to 18.9%
|
£0
|
18.9%
|
|
Cash exchange fee waived when used to purchase foreign currency in Post Office branches or online.
|
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).
|
|
|
|
|
|
0% for 8 months reverting to 19.9%
|
0% for 8 months reverting to 19.9%
|
£0
|
19.9%
|
|
Cash exchange fee waived when used to purchase foreign currency in Post Office branches or online.
|
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).
|
|
|
|
|
|
0% for 6 months reverting to 19.9%
|
N/A
|
Year 1 - £0, Year 2 onwards - £32 per annum
|
26.4%
|
|
Business Rewards - giving a range of discounts and rebates (up to 66% off AA membership, save 20% on B2B marketing sites and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH, £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 20% off bPay by Barclaycard device, up to 15% off ecommerce website with cloudBuy, 5% rebate on online advertising spend with Bing, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard, 3% off business flights with flybmi and 25% off first £200 spend at Amazon Business).
|
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £32 per annum, your representative rate is 26.4% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 22.9%
|
N/A
|
£0
|
22.9%
|
|
Earn 3% cashback on virtually all restaurant dining, 2% on nearly all travel bookings, and 1% virtually everywhere else. Cashback paid as a yearly Costo voucher.
|
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).
|
|
|
|
|
|
0% for 6 months reverting to 17.9%
|
0% for 6 months reverting to 17.9%
|
£0
|
17.9%
|
|
A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.
|
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 21.9%
|
0% for 6 months reverting to 21.9%
|
£0
|
21.9%
|
|
Earn 1 point for every £5 spent on purchases. 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).
|
|
|
|
|
|
0% for 6 months reverting to 19.94%
|
0% for 20 months reverting to 19.94%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 14.9%
|
N/A
|
£100 per annum
|
36.2%
|
|
Business Rewards - giving a range of discounts and rebates (up to 66% off AA membership, save 20% on B2B marketing sites and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH, £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 20% off bPay by Barclaycard device, up to 15% off ecommerce website with cloudBuy, 5% rebate on online advertising spend with Bing, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard, 3% off business flights with flybmi and 25% off first £200 spend at Amazon Business).
|
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a. with a fee of £100 per annum, your representative rate is 36.2% APR (variable).
|
|
|
|
|
|
0% for 6 months reverting to 19.95%
|
0% for 20 months reverting to 19.95%
|
£0
|
19.9%
|
|
|
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
|
|
|
hi, when the 0% interest on purchases ends, how long will it take to pay off at 19.95%?
Hi Mel, thanks for getting in touch.
It depends on how much you pay off each month. Let’s say you had £2,400 outstanding, and it was accruing interest at 19.95% annually. If you paid £200 each month, you’d need around 14 months to clear the debt. If you paid £100, it would take around 31 months.
A balance transfer at that point could help clear the debt faster (and more cheaply). With a long enough 0% interest deal, paying £200 each month would clear the debt in around 12 months (or potentially 13 months, if there’s a transfer fee and it’s lumped in with the balance), and paying £100 each month would clear the debt in around 24 months.
I hope this helps you, Mel. We’ll soon be adding more calculators, guides and videos to help with exactly this sort of question.
Kind regards,
Chris