Barclaycard

Compare Barclaycard credit cards for 2024

The best Barclaycard credit cards, with rates and APRs starting from 24.9% to 80.1%. Expert analysis of the Platinum Visa, balance transfer, travel and credit-builder cards, plus customer reviews.

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Compare Barclaycards

Table: sorted by representative APR, promoted deals first
1 - 8 of 8
Name Product Rating Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Barclaycard Forward Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
0% for 3 months reverting to 33.9%
33.9%
(0% fee)
£0
33.9% APR (variable)
Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
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Barclaycard Platinum 28 Month Balance Transfer Visa
Finder score
★★★★★
★★★★★
Expert analysis
24.9%
0% for 28 months
(3.45% fee)
£0
24.9% APR (variable)
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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Barclaycard Platinum 20 Month Balance Transfer Visa
Finder score
★★★★★
★★★★★
Expert analysis
0% for 3 months reverting to 24.9%
0% for 20 months
(1.99% fee)
£0
24.9% APR (variable)
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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Barclaycard Platinum 12 Month Balance Transfer Visa
Finder score
★★★★★
★★★★★
Expert analysis
0% for 3 months reverting to 24.9%
0% for 12 months
(0% fee)
£0
24.9% APR (variable)
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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Barclaycard Platinum all-rounder Visa
Finder score
★★★★★
★★★★★
Expert analysis
0% for 21 months reverting to 24.9%
0% for 20 months
(2.99% fee)
£0
24.9% APR (variable)
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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Barclaycard Rewards Visa
Finder score
★★★★★
★★★★★
Expert analysis
28.9%
28.9%
(0% fee)
£0
28.9% APR (variable)
0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 28.9% (variable) p.a., your representative rate is 28.9% APR (variable).
Barclaycard Avios Card
Finder score
★★★★★
★★★★★
Expert analysis
29.9%
29.9%
(0% fee)
£0
29.9% APR (variable)
Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Barclaycard Avios Plus Card
Finder score
★★★★★
★★★★★
Expert analysis
29.9%
29.9%
(0% fee)
£20 per month
80.1% APR (variable)
Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £20 per month, your representative rate is 80.1% APR (variable).
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Approval for any credit card depends 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.

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What is Barclaycard?

Offering the UK’s first credit card, Barclaycard has a long history of providing market-leading deals including some of the longest balance transfer periods going. Issued on the Visa network, Barclaycard is backed by one of the oldest banks in the UK – Barclays plc.

Will Barclaycard check my credit record?

To ensure responsible lending, Barclaycard will run a “hard search” on your credit record as part of the application process. It’s important to note that this may result in a minor decrease in your credit score. It’s generally advised to avoid submitting multiple credit applications within a short period as a rule of thumb.

If your credit rating isn’t excellent, Barclaycard does have a credit builder in its range.

Can I find out if I’ll get approved without affecting my credit score?

Yes. Like most card issuers, Barclaycard offers a “soft search” facility, meaning it can check your credit file to let you know whether or not it’s worth applying, without any impact on your credit score.

How long does it take to get a Barclaycard?

Online applications typically receive an instant decision – although there may be rare occasions where Barclaycard may require additional information or time to reach a conclusion. Once you receive a formal offer and accept it, your Barclaycard will be delivered in the post within approximately 7-14 days. Once you receive it, you will need to activate your card by calling a designated phone number.

Types of Barclaycards

Barclaycard offers a wide range of credit card products tailored to individual situations, each worth a close look to find the card that suits your needs best. Whether you aim to improve your credit score, save money through balance transfers from other card providers, or earn hotel loyalty points while making purchases, there is a Barclaycard option for you. Take a closer look at the Barclaycard range to find the perfect card for your requirements.

  • 0% balance transfer cards. Barclaycard offers leading 0% balance transfer periods of several years and competitive balance transfer fees, even for average credit scorers. Alternatively, pick a card with a shorter 0% offer and no balance transfer fee, or a card which offers a mix of a long 0% period – and a lower balance transfer fee. Barclaycard offers a handy balance transfer calculator to help you choose the right card.
  • 0% purchase cards. If you have a big purchase coming up that you want to repay over a period of time, Barclaycard’s 0% offers on purchases are an excellent choice. Spread your repayments over several months without paying any interest with a 0% purchase card.
  • All-round cards. Do you need to save money on existing interest charges and also need to make a large purchase? Barclaycard has the card product for you: pay 0% on both balance transfers and purchases through the Platinum card that offers an interest-free period on purchases and balance transfers. Though you should make your balance transfers straight away, the 0% offer on purchases is valid for any purchases made during the offer period.
  • Rewards cards. Collect rewards as you spend using one of Barclaycard’s rewards credit cards. The Freedom Rewards card clocks up Freedom Rewards points for each pound you spend, and you can redeem your Freedom Rewards points for a range of products and services. Learn more about rewards cards
  • Overseas spending cards. Frequent travellers should always look at a credit card that charges no commission on foreign currency conversion, both at ATM withdrawals and point of sale transactions. Most credit card providers charge close to 3% on top of spot currency rates when you spend abroad so these cards can lead to significant savings. Learn more about using a Barclaycard abroad
  • Credit builder cards. If you have no credit history, or are in the process of building your credit score, the Initial credit card from Barclaycard may be for you. This card is easier to get approved than other Barclaycard products, and the reasonable interest rate and credit limit will help you prove your credit-worthiness so that you can qualify for better deals later.

Looking for a business Barclaycard? We have a page for that.

What benefits can I get with a Barclaycard?

  • Rewards. Barclaycard offers rewards cards that offer an excellent way to treat yourself by means of your everyday credit card spending. You’ll earn points each time you use your rewards card, and these can be redeemed for a selection of top choices at the Freedom Rewards Store.
  • Complimentary extras. Your Barclaycard comes packed with extras, including an Uber customer offer and entertainment offers such as the ever-popular British Summer Time in Hyde Park.
  • Mobile payments. Pay conveniently using your mobile phone linked to your Barclaycard. Barclaycard supports both Apple Pay and Android Contactless Mobile for payments, so you can simply tap and pay without retrieving your credit card from your wallet.
  • Security. As a leading provider of credit cards, Barclaycard offers excellent security measures to protect its customers. You won’t be expected to pay for fraudulent transactions and you’ll be alerted by means of a phone call within 60 seconds of any activity that appears fraudulent.

Barclaycard has offered me good deals with companies like Expedia, for example. I find the card very easy to use and pay off monthly.”

Barclaycard customer in Finder's 2020 survey

How can I apply for a Barclaycard?

  1. Decide which card is most appropriate for your personal priorities: do you need to save on existing interest charges, or would you like to collect rewards points on your day to day spending?
  2. Consider your current credit score before you apply, and make sure you meet the eligibility criteria. You can test your eligibility with the Barclaycard eligibility checker, which won’t impact your credit record.
  3. Once you’ve read the detailed specifications for the card you want to apply for, click on Apply Now to proceed to the application stage.
  4. Enter your details, making sure you accurately complete each section. Small details such as your exact dates at your current and previous address is important too.
  5. You may receive a confirmation of approval or rejection straight away, or Barclaycard may refer your application for manual checking which can take a couple of working days.

What supporting documents and information will I need?

Before you start the application process, make sure you have available your past addresses covering the previous three years, including the dates on which you moved home, if any. Barclaycard will also require information on your current income and the details of your employer.

Barclaycard customer reviews

In our 2024 customer satisfaction survey, Barclaycard scored 4.6 out of 5 stars, with 87% of customers saying they’d recommend the brand to a friend.

The bottom line

A Barclaycard can help you manage your finances and pay for large purchases over a period of time, without forking out a large sum in interest charges. If you pay off your balance at the end of every month, a rewards card from Barclaycard can deliver perks on day to day spending.

Contact Barclaycard customer support

Live chat supportLive chat support offered through the Barclaycard app
Telephone support Call 0800 151 0900 Mon-Fri from 8am to 8pm, and on Saturdays from 9am to 5pm.
Closing your accountTo close your account, start a ‘chat’ using the Barclaycard app. Or, you can call customer services for support.
Order replacement cardYou can request an emergency replacement card either through the app or you can ring 0800 161 5308 and press option 1.
Report card lost or stolenYou can report a lost or stolen card either through the app or you can ring 0800 161 5308 and press option 1.

Overview of Barclaycard credit cards

Representative APR From 24.9% to 80.1%
0% balance transfer offer Up to 28 months
0% purchases offer Up to 21 months
0% money transfer offer No money transfer offer available
Cashback with brand Up to 1.5%
Cashback elsewhere Up to 1.5%
Cash advance From 24.9%
Introductory bonus offer Up to 25,000

Frequently asked questions about Barclaycards

Got a Barclaycard but want to cancel it?

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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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2 Responses

    Default Gravatar
    DanielaJuly 2, 2019

    I need money to get the furniture in the house and more

      AvatarFinder
      fayemanuelJuly 3, 2019Finder

      Hi Daniela,

      Thanks for contacting Finder.

      While we do not provide specific product recommendations, we can help guide you through the process of comparing options. On the page you’re on, we have a comparison table that provides a list of Barclaycards.

      You may sort them by Purchases, Balance transfer, Annual/monthly fees and Rep. APR. You can also compare them side by side by clicking the ‘Compare box, a product comparison table will show for you to compare features from each card. If you want to find out more information about the card,click on the ‘More info’ option to read our detailed product review. If you’re ready to open the account, please go the providers main website.

      Hope this helps.

      Please feel free to contact us at any time if any other questions arise.

      All the best,

      Faye

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