Travis Perkins Trade Credit Card review

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

The Travis Perkins Trade Credit 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).

24.9%

Representative APR

£0

Account fee

3 months

0% interest on purchases

Up to 56 days

Interest-free each billing period

Details

IssuerBarclaycard Business
NetworkMastercard
Annual/monthly fees£0
Purchases0% for 3 months reverting to 24.9%
Purchases interest-free periodUp to 56 days
Cash advances27.9%
Minimum credit limit£1,000
Maximum credit limitSubject to status: £25,000
Additional Rewards Info0% for 60 days on purchases made at Travis Perkins and participating group companies. Business Rewards - giving a range of discounts and rebates (15% cashback on tax returns with GoSimpleTax, applies to spend over £15 and under £125, up to 66% off AA membership, save 20% on Experian B2B marketing lists and access to 99 UK business credit reports for £75, 5% Avis rebate, 15% off Ryman's stationary, up to 15% off with APH. £60 driving credit and first year membership free with Zipcar, first year of FSB registration free, 5% rebate on online advertising spend with Microsoft, 10% off selected hotel reservations for business trips with booking.com, 4% rebate at over 5,000 hotels and 10,000 restaurants and 1% rebate at petrol stations at selected locations with the USA and Canada with Mastercard). MyControls - keep on top of your business expenses and manage employee cards with a range of spend controls. Cardholder misuse insurance included - limitations and exclusions apply. Barclaycard Entertainment - Buy tickets for up to 3500 selected live events per year through Barclaycard entertainment and get 5% off tickets and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.

Review by


Chris Lilly is a publisher 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.

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.

Pros and cons

Pros

  • 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

Cons

  • Applicants with low credit scores are unlikely to be eligible

Other business cards

Table: promoted then other popular deals
Name Product Purchases Annual/monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Capital on Tap Business Credit Card
26.4%
£0
1 point per £1 spent
29.9% APR (variable)
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Earn 10,000 bonus points that you can redeem for £100 cashback or 10,000 Avios when you spend £5,000 on your business credit card in your first 3 months.
Representative example: When you spend £1,200 at a purchase rate of 26.4% (variable) p.a., your representative rate is 29.9% APR (variable).
NatWest Business Credit Card (only available to existing business customers)
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
24.3% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
Capital on Tap Business Rewards Credit Card
26.4%
£99
1 point per £1 spent
29.9% APR (variable)
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Earn 1% cashback for every eligible £1 spent. Terms apply. Upgrade to Capital on Tap Business Rewards Card for £99 pa to choose between earning cashback or Avios and receive 10,000 bonus points when you spend £5,000 on your card in your first 3 months.
Representative example: When you spend £1,200 at a purchase rate of 26.4% (variable) p.a., your representative rate is 29.9% APR (variable).
CASHBACK
Juni Business Card (only for ecommerce companies)
N/A (this product is a charge card).
£0
1% cashback
N/A (this product is a charge card).
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Made for ecommerce companies only. Earn 2% cashback for your first 30 days, up to 1% thereafter on all eligible Juni card spend.
RBS Business Credit Card (only available to existing business customers)
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
24.3% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
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Approval for any credit card will depend 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.

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

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 Travis Perkins Trade Credit 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 Travis Perkins Trade Credit Card?

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

The cash advance fee on the Travis Perkins Trade Credit 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 purchase 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 Travis Perkins Trade Credit Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£171.81), it'll cost you around £5.14 in fees.

What is the minimum payment on the Travis Perkins Trade Credit Card?

Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 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.

Finder credit card ratings

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★★★★★ — Poor

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