Travis Perkins Trade Credit Card review March 2020

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Designed for businesses that often purchase supplies from Travis Perkins, this credit card comes with a series of appealing features.

Travis Perkins is a builders’ and home improvement retailer that sells pretty much everything that has do to with building houses, from cement to paint to furniture. If that sounds like the kind of stuff your business needs, this credit card may be a good idea to improve your cashflow and give your business’s finances a little extra breathing space.

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


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 Travis Perkins 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

The Travis Perkins Trade Credit Card comes with no annual fee attached and an introductory 0% for 3 months reverting to 24.9% rate on purchases.

Provided you don’t carry a balance from month to month, you’ll also enjoy up to 56 days of 0% interest on your purchases each billing cycle. When you shop at participating Travis Perkins Group companies, the interest-free period can be almost doubled. All in all, if you keep up with your monthly payments, this card will be 100% for free, which is comparatively uncommon for a business card.

Powered by Barclaycards, Travis Perkins Trade Credit Card also comes with Barclays’ Business Rewards that include a series of discounts at hotels, car rentals and car insurance with Barclays’ partners.

You can use this card anywhere Mastercard commercial cards are accepted.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Updated March 31st, 2020
Name Product Purchases Annual/monthly fees Rewards earn rate Rep. APR Incentive Representative example
Toolstation Trade Card Mastercard
0% for 3 months reverting to 24.9%
24.9% (variable)
Apply for a card and spend on it between 11.11.19 and 31.3.20 and receive one prize draw entry to win 1 of 3 van wraps, maximum 10 entries.
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).
Travis Perkins Trade Credit Card Mastercard
0% for 3 months reverting to 24.9%
24.9% (variable)
0% for 60 days on purchases made at Travis Perkins and participating group companies.
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).

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 256 6909), 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 Travis Perkins Trade Credit Card

If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes.

Before you apply, check that you meet the eligibility requirements, which include being a UK business, not already owning a credit card from another participating Travis Perkins group company and having a business annual turnover of at least £10,000.

Be prepared to provide details regarding both you and your business, such as business address and company number, bank details, annual turnover and profit before tax, together with information about other business partners or owners.

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