Toolstation Trade Credit Card review | Finder UK

Toolstation Trade Credit Card review

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This card is no longer available, but you can use our review to find alternatives.

The Toolstation Trade Card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

Finder rating: ★★★★★

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).


Representative APR


Account fee

3 months

0% interest on purchases

Up to 56 days

Interest-free each billing period


IssuerBarclaycard Business
Annual/monthly fees£0
Purchases0% for 3 months reverting to 24.9%
Purchases interest-free periodUp to 56 days
Cash advances27.9%
Min credit limit£1,000
Max credit limitSubject to status: £25,000
Incentive0% for 60 days on purchases made at Toolstation and participating group companies.

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

This card comes with an appealing introductory interest rate of 0% for 3 months reverting to 24.9% on all purchases.

After the first 3 months, provided you always clear your balance in full, you’ll still get up to 56 days of 0% interest on your purchases each billing cycle, which can be extended to more than twice the time when your shop at Toolstation and other Travis Perkins group companies.

This card’s most appreciated feature is probably that it doesn’t charge an annual fee – which means that, if you use it correctly, the Toolstation Trade Credit Card can provide monthly credit to your business without costing you a single penny.

Since this card is provided by Barclays, you also get a range of online spending controls, which are especially useful if you’re planning on giving the card to one of your employees. You also get Barclays’ Business Rewards, which include discounts on a series of services, such as hotel booking and online advertising.

Finally, as this card is on the Mastercard network, you can use it everywhere a Mastercard commercial card is accepted.

The Toolstation Trade Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

Pros and cons


  • Up to 56 days to spread the cost of purchases (provided you pay off your balance in full each month)
  • Customers report excellent customer service when dealing with Barclaycard Business
  • Three months to spread the cost of purchases
  • No annual fee


  • Applicants with low credit scores are unlikely to be eligible

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Name Product Purchases Annual/monthly fees Rewards earn rate Rep. APR Link Incentive Representative example
Capital on Tap Business Credit Card
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Representative example: When you spend £1,200 at a purchase rate of 39.41% (variable) p.a., your representative rate is 39.9% APR (variable).
Capital on Tap Business Rewards Credit Card
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Representative example: When you spend £1,200 at a purchase rate of 39.41% (variable) p.a., your representative rate is 39.9% APR (variable).
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American Express Gold Business Card
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Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents 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.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0808 163 5446), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. 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 for the Toolstation Trade Credit Card

Sorry – Barclaycard Business is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Frequently asked questions

What credit limit will I get with the Toolstation Trade Card?

If Barclaycard Business is able to offer you this deal, the offer will specify a personalised credit limit based on Barclaycard Business's assessment of your situation. The minimum limit offered on the card is £1,000, while the maximum is £25,000. Once you've had the card for a while and shown Barclaycard Business that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Toolstation Trade Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Toolstation Trade Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 27.9%, which is 12% more than the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Toolstation Trade Card abroad?

Non-sterling transactions are subject to a 2.99% charge. For example, if you spend 200 euros (£172.31), it'll cost you around £5.15.

What is the minimum payment on the Toolstation Trade Card?

Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the two figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt.

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