{"id":563706,"date":"2025-07-31T20:53:10","date_gmt":"2025-07-31T19:53:10","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=563706"},"modified":"2025-08-01T07:38:47","modified_gmt":"2025-08-01T06:38:47","slug":"barclaycard-interest-calculator","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/barclaycard\/barclaycard-interest-calculator","title":{"rendered":"Barclaycard interest calculator"},"content":{"rendered":" \n\n\n<article class=\"luna-card luna-card--border\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n\n<h4>Your Barclaycard<\/h4>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label\" for=\"ukfininput1\">Which Barclaycard do you have? (optional)<\/label>\n<select class=\"luna-select\" id=\"ukfininput1\" onchange=\"ukccfShowResultsPre()\">\n<option>Select card<\/option>\n<option>Amazon The Amazon Barclaycard<\/option>\n<option>Barclaycard Avios Plus Card<\/option>\n<option>Barclaycard Forward Credit Card<\/option>\n<option>Barclaycard Platinum Balance Transfer (36 Mths)<\/option>\n<option>Barclaycard Platinum Balance Transfer (22 Mths)<\/option>\n<option>Barclaycard Rewards<\/option>\n<option>Barclaycard Platinum Balance Transfer (14 Mths)<\/option>\n<option>Barclaycard Platinum Balance Transfer (21\/24)<\/option>\n<option>Barclaycard Avios Card<\/option>\n<option>Barclaycard Platinum Balance Transfer (24\/21)<\/option>\n<option>Another Barclaycard<\/option>\n<\/select>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\" id=\"ukfininput2field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\" id=\"ukfininput2label\">Annual interest rate<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Enter percentage\" id=\"ukfininput2\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\" id=\"ukfininput3field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput3\">What's your outstanding balance?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Enter amount\" id=\"ukfininput3\">\n<\/div>\n<\/div>\n<\/div>\n\n<hr \/>\n\n<h4>Pay a set amount each month...<\/h4>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\" id=\"ukfininput4field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput4\">Monthly payment<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Enter amount\" id=\"ukfininput4\">\n<\/div>\n<\/div>\n<\/div>\n\n<hr \/>\n\n<h4>...or pay only your card's minimum repayment<\/h4>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\" id=\"ukfininput5field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput5\" id=\"ukfininput5label\">% of outstanding balance<span id=\"ukfininput5labeldt\"><\/span><\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Enter percentage\" id=\"ukfininput5\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\" id=\"ukfininput6field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput6\" id=\"ukfininput6label\">Minimum amount<span id=\"ukfininput6labeldt\"><\/span><\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"any\" placeholder=\"Enter amount\" id=\"ukfininput6\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"ukccfShowResults();\">Calculate<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block text-x-large\"><p id=\"resultmessage\" class=\"weight-semi-bold no-margin-bottom\">Complete the fields above to see your calculation.<\/p><div class=\"text-x-small\" id=\"cvts\"><\/div>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n\n\n\n\n\n\n\n<script>\n\nfunction ukccfShowResultsPre() {\nvar cardsdata = [{\"id\":\"475cb176-9ccf-4fc8-8231-a72c72e72517\",\"raw\":{\"GENERAL.NAME\":\"Amazon The Amazon Barclaycard\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"},\"decorated\":{\"GENERAL.NAME\":\"Amazon The Amazon Barclaycard\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"}},{\"id\":\"4985234f-890b-4df8-99e8-262a7e56fe7b\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Avios Plus Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a320 per month\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Avios Plus Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a320 per month\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"}},{\"id\":\"665a6351-fe9c-4ce7-bce9-53d174c09f27\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Forward Credit Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"33.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Forward Credit Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"33.9\"}},{\"id\":\"7f19263a-1c70-4dd3-8afd-5239c565a36a\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (36 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (36 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"8eb65ca9-f8f3-4445-bc09-3a7bf52ba6fb\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (22 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (22 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"965ddd42-2438-4ee3-9646-8f69accbb01c\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Rewards\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Rewards\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"}},{\"id\":\"a017f922-b865-437c-9e04-0a3e5b96d987\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (14 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (14 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"ae08e641-6210-4f65-8463-5cbe400248fd\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (21\\\/24)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (21\\\/24)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"d8077bac-a564-4282-a293-7f7dde8102c4\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Avios Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Avios Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"}},{\"id\":\"db396567-eb49-46e4-8d79-48539402b58a\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (24\\\/21)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (24\\\/21)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}}];\nvar card = document.getElementById(\"ukfininput1\").value;\nvar ukfininput2 = document.getElementById(\"ukfininput2\");\nvar ukfininput5 = document.getElementById(\"ukfininput5\");\nvar ukfininput6 = document.getElementById(\"ukfininput6\");\nfor (var i = 0; i < cardsdata.length; i++) {\nif (cardsdata[i][\"raw\"][\"GENERAL.NAME\"] == card) {\nvar nbrate = Number(cardsdata[i][\"raw\"][\"RATES_AND_FEES.PURCHASES\"].replace('%',''));\nvar nbmin = cardsdata[i][\"raw\"][\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\"];\n\nvar minpaymentparts = nbmin.split(' ');\n\nfor (let i = 0; i < minpaymentparts.length; i++) {\nconst part = minpaymentparts[i];\nif (part.includes('%')) {\nvar minpaymentpct = Number(part.replace(\/[%;,.\\s]+$\/, ''));\n} else if (part.includes('\u00a3')) {\nvar minpaymentamt = Number(part.replace(\/[\u00a3;, ]+\/g, ''));\n}\nif (minpaymentpct && minpaymentamt) { break; }\n}\n\n\/*\nif (minpaymentparts[0].includes('%') && minpaymentparts[1].includes('or') && minpaymentparts[2].includes('\u00a3'))  {\nvar minpaymentamt = Number(minpaymentparts[2].replace('\u00a3', ''));\nvar minpaymentpct = Number(minpaymentparts[0].replace(\/[\u00a3;,.\\s]+\/g, ''));\n}\n*\/\n\nbreak;\n}\n}\nvar ukfininput2label = document.getElementById(\"ukfininput2label\");\nvar ukfininput5labeldt = document.getElementById(\"ukfininput5labeldt\");\nvar ukfininput6labeldt = document.getElementById(\"ukfininput6labeldt\");\nif (typeof nbrate === \"undefined\") {\nukfininput2label.innerHTML = \"Enter your card's interest rate below\";\n} else {\nukfininput2label.innerHTML = 'Most holders of that card pay <span style=\"font-weight: 800;\">' + nbrate + '%<\/span> interest. If you pay a different rate, you can override it here.';\n}\nukfininput2.setAttribute('value', nbrate);\nif (typeof minpaymentpct === \"undefined\") {\nukfininput5labeldt.innerHTML = '';\n} else {\nukfininput5labeldt.innerHTML = ' (' + minpaymentpct + '% in the case of this card)';\n}\nukfininput5.setAttribute('value', minpaymentpct);\nif (typeof minpaymentamt === \"undefined\") {\nukfininput6labeldt.innerHTML = '';\n} else {\nukfininput6labeldt.innerHTML = ' (\u00a3' + minpaymentamt + ' in the case of this card)';\n}\nukfininput6.setAttribute('value', minpaymentamt);\n}\n\n\n\n\n\n\n\n\nfunction ukccfShowResults() {\n\nvar cardsdata = [{\"id\":\"475cb176-9ccf-4fc8-8231-a72c72e72517\",\"raw\":{\"GENERAL.NAME\":\"Amazon The Amazon Barclaycard\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"},\"decorated\":{\"GENERAL.NAME\":\"Amazon The Amazon Barclaycard\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"}},{\"id\":\"4985234f-890b-4df8-99e8-262a7e56fe7b\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Avios Plus Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a320 per month\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Avios Plus Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a320 per month\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"}},{\"id\":\"665a6351-fe9c-4ce7-bce9-53d174c09f27\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Forward Credit Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"33.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Forward Credit Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"33.9\"}},{\"id\":\"7f19263a-1c70-4dd3-8afd-5239c565a36a\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (36 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (36 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"8eb65ca9-f8f3-4445-bc09-3a7bf52ba6fb\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (22 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (22 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"965ddd42-2438-4ee3-9646-8f69accbb01c\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Rewards\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Rewards\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"28.9\"}},{\"id\":\"a017f922-b865-437c-9e04-0a3e5b96d987\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (14 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (14 Mths)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"ae08e641-6210-4f65-8463-5cbe400248fd\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (21\\\/24)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (21\\\/24)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}},{\"id\":\"d8077bac-a564-4282-a293-7f7dde8102c4\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Avios Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Avios Card\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"29.9\"}},{\"id\":\"db396567-eb49-46e4-8d79-48539402b58a\",\"raw\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (24\\\/21)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"},\"decorated\":{\"GENERAL.NAME\":\"Barclaycard Platinum Balance Transfer (24\\\/21)\",\"RATES_AND_FEES.ACCOUNT_FEES\":\"\\u00a30\",\"RATES_AND_FEES.MIN_MONTHLY_PAYMENT\":\"Greater of: 1% of the underlying balance plus the month's interest and any applicable fees and charges; \\u00a35; or the outstanding balance.\",\"RATES_AND_FEES.PURCHASES\":\"24.9\"}}];\n\nvar ukfininput1 = document.getElementById(\"ukfininput1field\");\nvar ukfininput2 = document.getElementById(\"ukfininput2field\");\nvar ukfininput3 = document.getElementById(\"ukfininput3field\");\nvar ukfininput4 = document.getElementById(\"ukfininput4field\");\nvar ukfininput5 = document.getElementById(\"ukfininput5field\");\nvar ukfininput6 = document.getElementById(\"ukfininput6field\");\n\nvar card = document.getElementById(\"ukfininput1\").value;\nvar interestRate = Number(document.getElementById(\"ukfininput2\").value);\nvar balance = Number(document.getElementById(\"ukfininput3\").value);\nvar monthlyRepayment = Number(document.getElementById(\"ukfininput4\").value);\nvar minPercentage = Number(document.getElementById(\"ukfininput5\").value);\nvar minAmount = Number(document.getElementById(\"ukfininput6\").value);\n\nvar ukfininput2label = document.getElementById(\"ukfininput2label\");\nvar resultmessage = document.getElementById(\"resultmessage\");\nresultmessage.innerHTML = '';\nvar cvts = document.getElementById(\"cvts\");\n\nvar debtgrowing = 0;\nvar debtgrowingMin = 0;\nvar balanceMin = balance;\nvar monthlyRepaymentMin = 0;\nvar numberOfMonths = 0;\nvar numberOfMonthsMin = 0;\nvar mnthlyeffrt = (((interestRate \/ 100) + 1) ** (1 \/ 12)) - 1;\nvar totalInterest = 0;\nvar interest = 0;\nvar totalInterestMin = 0;\nvar interestMin = 0;\n\nif (balance > 0 && interestRate > 0 && (monthlyRepayment > 0 || (minAmount > 0))) {\n\ntry { ukfininput1.classList.remove('is-invalid'); ukfininput2.classList.remove('is-invalid'); ukfininput3.classList.remove('is-invalid'); ukfininput4.classList.remove('is-invalid'); ukfininput5.classList.remove('is-invalid'); ukfininput6.classList.remove('is-invalid'); } catch { }\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nfor (var i = 0; i < 121; i++) {\n\n\n\nif (monthlyRepayment > 0 && balance > 0) {\ninterest = balance * mnthlyeffrt;\nif (interest > monthlyRepayment) { debtgrowing = 1; }\nif ((minPercentage == 0 && minAmount == 0) && debtgrowing == 1) { break; }\ntotalInterest = totalInterest + interest;\nbalance = balance + interest - monthlyRepayment;\nnumberOfMonths++;\n}\n\n\n\nif (minPercentage > 0 && minAmount > 0 && balanceMin > 0) {\ninterestMin = balanceMin * mnthlyeffrt;\ntotalInterestMin = totalInterestMin + interestMin;\nbalanceMin = balanceMin + interestMin;\n\nif ((interestMin > ((minPercentage \/ 100) * balanceMin)) && (interestMin > minAmount)) {\nmonthlyRepaymentMin = interestMin + ((minPercentage \/ 100) * balanceMin);\n} else if (((minPercentage \/ 100) * balanceMin) > minAmount) { \nmonthlyRepaymentMin = ((minPercentage \/ 100) * balanceMin);\n} else {\nmonthlyRepaymentMin = minAmount;\n}\nbalanceMin = balanceMin - monthlyRepaymentMin;\nif (monthlyRepayment == 0) { break; }\nnumberOfMonthsMin++;\n}\n\n\n\nif (balance < 0 && balanceMin < 0) { break; }\n\n\n\n}\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nif (monthlyRepayment > 0) {\nif (debtgrowing == 1) {\nresultmessage.innerHTML = \"Based on paying \" + monthlyRepayment.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 0}) + \" each month, the interest would outweigh your repayments, so your debt would grow over time and never clear. You'd need to at least meet the minimum repayment requirements for the card, which ensure that the debt is eventually cleared. \";\n} else if (numberOfMonths == 121) {\nresultmessage.innerHTML = \"Based on paying \" + monthlyRepayment.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 0}) + \" each month, it will take you more than 10 years to clear the debt, so you should try to increase your monthly repayment if you can. \";\n} else {\nvar payoffYears = numberOfMonths \/ 12;\npayoffYears = Math.floor(payoffYears);\nvar payoffMonths = numberOfMonths - (payoffYears * 12);\nvar timeLengthsyears = payoffYears + ' years';\nif (payoffYears == 0) { timeLengthsyears = ''; } else if (payoffYears == 1) { timeLengthsyears = payoffYears + ' year'; }\nvar timeLengthsmonths = payoffMonths + ' months';\nif (payoffMonths == 0) { timeLengthsmonths = ''; } else if (payoffMonths == 1) { timeLengthsmonths = payoffMonths + ' month'; }\nvar timeLengths = timeLengthsyears + ' and ' + timeLengthsmonths;\nif (timeLengthsyears == '' || timeLengthsmonths == '') { timeLengths = timeLengthsyears + timeLengthsmonths; }\nresultmessage.innerHTML = 'Based on paying ' + monthlyRepayment.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",minimumFractionDigits: 0}) + ' each month, you would be debt free in <strong>' + timeLengths + '<\/strong>! Overall it would cost you around <strong>' + totalInterest.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",maximumFractionDigits: 0}) + '<\/strong> in interest. You could consider a <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/card-finder-uk-secure.html?nb=1&src_country=uk&redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%220%2525%2Bbalance%2Btransfer%2Bdeal%22%2C%22site%22%3A%22UKCCF%22%2C%22offer_id%22%3A%2224715%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22product_id%22%3A%22308bee85-a334-4500-92bc-846c1b27c6cb%22%2C%22product_name%22%3A%22Credit%2Bcard%2Bfinder%22%2C%22provider_id%22%3A%220c72737e-7b92-477b-b6a0-a8587bf6c0b5%22%2C%22provider_name%22%3A%22Finder%22%2C%22post_id%22%3A%22563706%22%2C%22post_path%22%3A%22credit-cards%252Fbarclaycard%252Fbarclaycard-interest-calculator%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A532841%2C%22name%22%3A%22ukccf_provider_interest_calculator%22%2C%22country%22%3A%22uk%22%7D%7D\">0% balance transfer deal<\/a> to avoid paying that interest. ';\n}\n}\n\n\nif (minPercentage > 0 && minAmount > 0) {\nif (numberOfMonthsMin == 121) {\nresultmessage.innerHTML += \"If you only paid the card's minimum monthly repayment, it would take over 10 years to clear the debt (so it's best to pay more if you can).\";\n} else {\nvar payoffYearsMin = numberOfMonthsMin \/ 12;\npayoffYearsMin = Math.floor(payoffYearsMin);\nvar payoffMonthsMin = numberOfMonthsMin - (payoffYearsMin * 12);\nvar timeLengthsyearsMin = payoffYearsMin + ' years';\nif (payoffYearsMin == 0) { timeLengthsyearsMin = ''; } else if (payoffYearsMin == 1) { timeLengthsyearsMin = payoffYearsMin + ' year'; }\nvar timeLengthsmonthsMin = payoffMonthsMin + ' months';\nif (payoffMonthsMin == 0) { timeLengthsmonthsMin = ''; } else if (payoffMonthsMin == 1) { timeLengthsmonthsMin = payoffMonthsMin + ' month'; }\nvar timeLengthsMin = timeLengthsyearsMin + ' and ' + timeLengthsmonthsMin;\nif (timeLengthsyearsMin == '' || timeLengthsmonthsMin == '') { timeLengthsMin = timeLengthsyearsMin + timeLengthsmonthsMin; }\nresultmessage.innerHTML += \"If you only paid the card's minimum monthly repayment, it would take <strong>\" + timeLengthsMin + \"<\/strong> to clear the debt, and cost around <strong>\" + totalInterestMin.toLocaleString(\"en-GB\", {style:\"currency\", currency:\"GBP\",maximumFractionDigits: 2}) + \"<\/strong> in interest.\";\n}\n}\n\n\n\n\n\n\n\n\n} else {\nif (balance == 0) { ukfininput2.classList.add('is-invalid'); resultmessage.innerHTML = 'Please specify your outstanding balance. '; }\nif (interestRate == 0) { ukfininput3.classList.add('is-invalid'); resultmessage.innerHTML += 'Please specify your current interest rate. '; }\nif (monthlyRepayment == 0 && minAmount == 0) { ukfininput4.classList.add('is-invalid'); ukfininput5.classList.add('is-invalid'); ukfininput6.classList.add('is-invalid'); resultmessage.innerHTML += 'Please specify a monthly payment or the minimum payment requirements for your card. '; }\n}\n\ncvts.classList.add('has-padding-top-xsmall');\ncvts.innerHTML = \"Please note that this calculator provides estimates only. Where interest accrued over a month exceeds the minimum payment amount and percentage, the calculator assumes that the interest accrued plus the minimum percentage must be paid. The calculator doesn't factor in the cost of any account fee (some cards have an annual or monthly fee) \u2013 it's just about the interest.\";\nresultmessage.scrollIntoView({behavior: 'smooth'});\n}\n\n<\/script><h3>How to use our Barclaycard interest calculator<\/h3><p>First select the specific Barclaycard that you have, and the calculator will fill in the fields it can automatically. Don&#8217;t worry \u2013 you can override these if you want. If you&#8217;re not absolutely sure what Barclaycard you have, it&#8217;s at the top of the first screen of the app when you open it. Some Barclaycards are no longer available. If that&#8217;s the case for your card, just select &#8220;Another Barclaycard&#8221;.<\/p><p>One of the fields that can be automatically filled in for you is the interest rate (note this isn&#8217;t the APR, because the APR factors in the account fee, if there is one). We use the interest rate that <em>most<\/em> cardholders are charged, but card issuers sometimes tailor rates to individuals (if you have worse credit, you might be charged a higher rate). We also assume that you&#8217;re out of any introductry 0% period. To check what rate <em>you&#8217;re<\/em> actually paying, look at your most recent statement, which you can do in the app via &#8220;More&#8221; then &#8220;Statements and documents&#8221;. You&#8217;ll need to download it and open the PDF (card issuers don&#8217;t seem to like making it easy to find out your personal rate after opening an account!).<\/p><h4>Some limitations of the calculator<\/h4><p>As well as not knowing your personal interest rate, at the moment the calculator doesn&#8217;t consider any account fees \u2013 just the interest. If you only make the minimum monthly repayments, these may include a twelfth of the annual fee. You can also incur fees for improper use or non-sterling transactions.<\/p><p>The calculator is designed to work out the cost of clearing existing debt, so it also assumes you don&#8217;t use the card for additional spending.<\/p><p>Ultimately the calculator&#8217;s intended as a guide and shouldn&#8217;t be taken as gospel, but we think it&#8217;s a useful way to gauge overall costs and what you might save through a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\">balance transfer<\/a> (that&#8217;s where you shift your debt across to a new card issuer, which rewards you with 0% interest for a set period). Ultimately, if you have an outstanding balnce and are paying interest, you might not need to \u2013 check out a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/balance-transfer-credit-cards\">balance transfer<\/a>.<\/p><h3>What if I don&#8217;t carry a balance from month to month?<\/h3><p>If you pay off your balance in full every month, then your Barclaycard might not cost you a penny, thanks to your <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/what-does-up-to-55-days-interest-free-really-mean\">interest-free days<\/a>! But there are a couple of exceptions to that rule. Using your card overseas, for example will likely incur a fee. Cash advances (withdrawing cash or getting cashback at the till) will too \u2013 and doing that is a bad idea anyway because it can damage your credit score. <\/p>","protected":false},"excerpt":{"rendered":"<p>Work out how much your Barclaycard is costing you in interest and how long it would take to clear your balance.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2826],"tags":[],"asset_tag":[],"class_list":["post-563706","post","type-post","status-publish","format-standard","hentry","category-barclaycard"],"apple_news_notices":[],"yoast_head":"<!-- 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