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.
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.
Yes, in order to lend responsibly, Barclaycard will run a full “hard search” of your credit file when you apply. This usually has a very slight negative impact on your credit score, so the general rule of thumb is: don’t submit lots of applications for credit in a short space of time.
If your credit rating isn’t excellent, Barclaycard does have a credit builder in its range.
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.
Online applications get a decision almost instantly (although there are rare situations when Barclaycard will need a bit more information and/or time in order to reach a decision. Once you’ve had a formal offer and accepted it, your Barclaycard will then arrive in the post within approximately 7-14 days (at which point you’ll need to get on the phone to activate it).
With Barclaycard you will find a credit card product for almost every individual situation, each worth a close look to find the card that suits your needs best. You can build your credit record, save money by transferring a balance from a different card provider, or collect hotel loyalty points as you spend.
Looking for a business Barclaycard? We have a page for that.
Barclaycard has offered me good deals with companies like Expedia, for example. I find the card very easy to use and pay off monthly.”
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.
Customers in Finder’s 2022 customer satisfaction survey were positive about Barclaycard. Many customers described the provider as reliable and easy to use, with “great” customer service. One customer said: “It’s a brand I can trust and it is also very reliable and helpful.”
Barclaycard won the “highly commended” award in our 2021 customer satisfaction awards and in 2022 had a rating of 4.5 out of 5. 84% of Barclaycard customers also said they would be happy to recommend the brand to a friend.
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.
Got a Barclaycard but want to cancel it?
Our customer satisfaction scores ("Customers say") are based on a survey of 2,155 customers carried out in December 2021.
To find out more, read our full methodology.
Fly high and earn Avios while you spend with the Barclaycard Avios Plus Credit Card. Find out more.
Fly high and earn Avios on your day-to-day spending and enjoy the first-class introductory bonus with the Barclaycard Avios Credit Card.
With over 2 years of 0% interest on balance transfers, this platinum Barclaycard may be suitable for those looking to move a large balance.
With 0% interest periods on both balance transfer and purchases, this Barclays credit card is a double-whammy when it comes to reducing interest.
Get 15 months to pay off your balance, and 6 months of purchases, without paying interest on this Platinum Barclaycard.
Looking to cancel your Barclaycard? Find out what you need to do first and compare other options.
Thinking of using a Barclaycard overseas or for non-sterling purchases? Learn what fees apply plus our hacks for avoiding them.
I need money to get the furniture in the house and more
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