In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements

Barclaycard Platinum 12 Month Balance Transfer Visa review

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Barclaycard Platinum 12 Month Balance Transfer Visa
Finder score
Representative example:
When you spend Β£1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
0% interest on balance transfers
12 months
Balance transfer fee
Account fee

Our verdict

Get 12 months to pay off your balance, and 3 months of purchases, without paying interest on this Platinum Barclaycard.

If you have any existing credit card balance, but want more time to pay it off, this Barclaycard Platinum credit card gives you a better-than-average 0% interest period, as well as 0% on purchases for good measure.

While there's still a balance transfer fee to take into account, the card could be a good option for anyone looking to spread out the cost of their existing credit card debt.

The interest rate is also relatively competitive, but ideally you'll want to have paid off your transferred balance (or purchases) in full before the end of your 0% interest period.

If you don't think you'll be able to manage that, it may be worth looking for a card with a longer balance transfer period, or a lower rate.


  • Customers report excellent customer service when dealing with Barclaycard
  • A year of 0% interest on balances transferred to focus on reducing your card debt
  • Three months to spread the cost of purchases
  • No balance transfer fee
  • No annual fee


  • Minimum annual income requirement of Β£20,000
  • You may be offered an opening credit limit as low as Β£50

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements


Product overview

Issuer Barclaycard
Network Visa
Representative APR 24.9%
Annual/monthly fees Β£0
Balance transfers 0% for 12 months reverting to 24.9%
Balance transfer fee 0%
Purchases 0% for 3 months reverting to 24.9%
Purchases interest-free period Up to 56 days
Cash advances 24.9%
Minimum credit limit Β£50
Maximum credit limit Subject to status
Additional cards available 4
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.
Additional Rewards Info 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 10% on food and drink at all UK 02 Academy venues.
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Fees and charges

Minimum monthly payment 3.75% or Β£5 (whichever is greater) or the total of any interest, default fees and charges plus 2.5% of the outstanding balance.
Annual/monthly fees Β£0
Balance transfer fee 0%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 2.99% (min. Β£2.99)
Late payment fee Β£12
Replacement card fee Β£0
Duplicate statement fee Β£0
Exceeding limit fee Β£0
Additional card fee Β£0
Dormancy fee Β£0

Application requirements

Minimum Age 21
Minimum income Β£20,000
Availability Available to new customers

The Barclaycard Platinum 12 Month Balance Transfer Visa is issued on the Visa network (used by a whopping 4.2 billion cards), so you'll be able to use it at more than 100 million merchant locations across more than 200 countries and territories.

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 Moneyfacts.

Repayment options

You can make manual repayments through Barclaycard's app by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of ). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 12 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

If you've compared cards and settled on the Barclaycard Platinum 12 Month Balance Transfer Visa, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible. You can request a balance transfer as part of your application.

Frequently asked questions

Finder credit card scores

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Our experts score balance transfer cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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