Compare Barclaycard credit cards for 2025

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Product	Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Finder score 8.1Great Barclaycard Platinum 21 Month BT and 24 Month Purchase Visa	Finder score 8.1Great	0% for 24 months	0% for 21 months (2.95% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Finder score 7.3Great Barclaycard Platinum 24 Month BT and 21 Month Purchase Visa	Finder score 7.3Great	0% for 21 months	0% for 24 months (2.95% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Finder score 9.9Excellent Barclaycard Platinum 33 Month Balance Transfer Card	Finder score 9.9Excellent	0% for 3 months	0% for 33 months (3.15% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 8.5Great Barclaycard Platinum 22 Month Balance Transfer Visa	Finder score 8.5Great	24.9%	0% for 22 months (1.99% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 7.8Great Barclaycard Platinum 14 Month Balance Transfer Visa	Finder score 7.8Great	0% for 3 months	0% for 14 months (0% fee)	£0	24.9% APR (variable)	Representative example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 7.2Great The Amazon Barclaycard Visa	Finder score 7.2Great	0% for 6 months	10.35% (0% fee)	£0	28.9% APR (variable)	Get 1% back in rewards when shopping on Amazon and 0.5% elsewhere. Amazon Prime members receive 2% back in rewards during eligible Amazon shopping events.	Representative example: Representative 28.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 28.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 8.6Great Barclaycard Rewards Visa	Finder score 8.6Great	28.9%	28.9% (0% fee)	£0	28.9% APR (variable)	Representative example: Representative 28.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 28.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 7.7Great Barclaycard Avios Card	Finder score 7.7Great	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 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)	Representative example: Representative 29.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 9.9Excellent Barclaycard Forward Credit Card	Finder score 9.9Excellent	0% for 6 months	0% for 6 months (2.9% 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: Representative 33.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 33.9% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Finder score 9.1Excellent Barclaycard Avios Plus Card	Finder score 9.1Excellent	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 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)	Representative example: Representative 80.1% APR variable. Based on £20 monthly fee, assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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. Barclaycard is backed by one of the oldest banks in the UK – Barclays plc.

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.
• 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.

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 and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Barclaycard is one of these brands and has won multiple awards!

Here's what it's won in the past year:

• 2025 Provider of the Year Award (Credit Builder Credit Card)
• 2025 Provider of the Year Award (Balance Transfer Credit Card)

Barclaycard customer reviews

In our 2025 customer satisfaction survey, 87% of Barclaycard credit card customers said they would recommend the brand to a friend. Customers in our survey tended to agree on how the credit card was easy to use and has good rewards. One respondent said: “Good deals on transfers. Lower interest rate than some others. Good communication”.

However, over on the reviews platform Trustpilot, customer reviews were mixed, with Barclaycard receiving a low score of 1.3 out of 5. Some customers there cited problems around cancelling direct debit payments (updated February 2024).

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

Overview of Barclaycard credit cards

Barclaycard and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Barclaycard is one of these brands and has won multiple awards!

Here's what it's won in the past year:

• 2025 Provider of the Year Award (Credit Builder Credit Card)
• 2025 Provider of the Year Award (Balance Transfer Credit Card)

Frequently asked questions about Barclaycards

• Can I apply for a Barclaycard if I have a poor or average credit history?

  Barclaycard does offer some credit cards that are suitable for people who are building their credit history. However, to successfully apply, make sure you pick one of the Barclaycard products that you qualify for. The free Barclaycard eligibility checker will help you to pick the best card to apply for.

• How long does it take to be approved for a Barclaycard?

  Approval can be instant, but sometimes small discrepancies in your application form can require Barclaycard to perform a manual credit check which can take several business days.

• Does Barclaycard charge an annual fee?

  At the time of writing, none of the Barclaycard products aimed at consumers levy an annual card fee.

• What credit limit will I get?

  As an established provider of credit cards, Barclaycard can offer generous credit limits, but the credit limit you receive upon application will depend on factors like your credit history and the existing amount of credit you have available to you. Cards targeted at credit builders and people with average credit histories will have lower initial limits.

• Can I increase my credit limit?

  You can apply to Barclaycard to have your credit limit increased (or decreased) and the bank will assess whether it can do this for you, based on your perceived risk. If you’re deemed eligible for a credit limit increase, this will take place instantly. Sometimes, Barclaycard will get in touch with you offering a credit limit increase.

• How do I set up internet banking with Barclaycard?

  It is easy to set up online services with Barclaycard. Simply keep handy the credit card you received in the mail and complete the required details on the Barclaycard website, including a memorable word you won’t forget. Keep the letter that specifies the credit limit you were given as you will need this figure when you sign up for online services.

• What should I do if my card is lost or stolen?

  If you suspect your Barclaycard has been stolen or you cannot find it you should call Barclaycard straight away. They will block your existing card to prevent any unauthorised transactions and issue you with a new card free of charge. If your card is stolen you are protected against any transactions made with it – but make sure you alert Barclaycard the moment you become aware that your card is missing.

• What credit reference agencies does Barclaycard use?

  Barclaycard uses Experian, Equifax and TransUnion (formerly Callcredit).

• Where is Barclaycard based?

  The Barclaycard HQ is in London.

• Does Barclaycard offer a student credit card?

  No, Barclaycard doesn’t offer a student credit card. If you’re looking for a credit card at uni, you can compare a range of cards here.

Got a Barclaycard but want to cancel it?

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 540 Finder guides across topics including:

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