Compare Barclaycard credit cards for 2025

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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Table: sorted by representative APR, promoted deals first
Product Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Key benefit Representative example
Barclaycard Platinum 21 Month BT and 24 Month Purchase Visa image
Finder score
Barclaycard Platinum 21 Month BT and 24 Month Purchase Visa
Finder score
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).
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Barclaycard Platinum 24 Month BT and 21 Month Purchase Visa image
Finder score
Finder score
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).
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Barclaycard Platinum 33 Month Balance Transfer Card image
Finder score
Finder score
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).
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Barclaycard Platinum 22 Month Balance Transfer Visa image
Finder score
Finder score
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).
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Barclaycard Platinum 14 Month Balance Transfer Visa image
Finder score
Finder score
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).
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The Amazon Barclaycard Visa image
Finder score
Finder score
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).
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Barclaycard Rewards Visa image
Finder score
Finder score
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).
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Barclaycard Avios Card image
Finder score
Finder score
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).
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Barclaycard Forward Credit Card image
Finder score
Finder score
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).
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Barclaycard Avios Plus Card image
Finder score
Finder score
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).
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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

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. Most of the data in Finder's comparison tables is provided by Defaqto.

How does Barclaycard's range stack up against the competition?

See today's deals from across the credit card market.

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.

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.
  • 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 and Finder Awards

Finder Awards logo

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

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 33 months
0% purchases offer Up to 24 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

Barclaycard and Finder Awards

Finder Awards logo

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

Got a Barclaycard but want to cancel it?

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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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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:
  • Loans & credit cards
  • Building credit
  • Financial health
  • Share trading

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