Balance transfer
Looking for a balance transfer card that lets you regain control of your debt?
- 0% balance transfer rates (handling fee applies)
- Enjoy the additional benefits that come with a Barclaycard
Products
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Barclaycard Platinum balance transfer
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| Representative example |
Representative APR 18.9% APR (variable) |
Purchase Rate pa 18.9% pa (variable) |
Assumed Credit Limit £1,200 (variable) |
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Subject to application and status. The terms of your product may differ from the example. |
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Barclaycard Classic
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| Representative example |
Representative APR 19.9% APR (variable) |
Purchase Rate pa 19.9% pa (variable) |
Assumed Credit Limit £1,200 (variable) |
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Subject to application and status. The terms of your product may differ from the example. |
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Barclaycard Platinum purchase
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| Representative example |
Representative APR 18.9% APR (variable) |
Purchase Rate pa 18.9% pa (variable) |
Assumed Credit Limit £1,200 (variable) |
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Subject to application and status. The terms of your product may differ from the example. |
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Additional benefits
- Easy on line management – sign up to mybarclaycard to keep track of your account
- Cover against loss or damage – use your Barclaycard when purchasing products and services from UK retailers and you're protected if yor delivery is lost or damaged
- Emergency help – we offer replacement cards and emergency cash advances, depending on the money in your account. And if you’re abroad, you can count on our World Assistance team to help you, 24 hours a day
- Contactless payments – just hold your credit card close to a contactless reader for payments that are £20 or less
- 24 hour service – we're ready to help whenever you need it
- Fraud monitoring – if we notice a suspicious transaction you may not have made, our Fraud Prevention team will give you a call straightaway
Balance transfer guide
- Get a break from paying higher interest rates – when you move your debt from one credit card to another you could take advantage of interest-free periods or long-term low rates
- Even with a transfer fee to pay, balance transfer cards may work out cheaper in the long run
Our range of balance transfers offer customers without an existing Barclaycard an interest-free rate on their debt. All our deals require you to pay a one-off handling fee when you do the transfer.
Got a question?
Eligibility
Now that you’ve seen the benefits that getting a balance transfer card can bring, see if you are eligible.
+ Barclaycard Platinum
- You don't already have a Barclaycard
- You are aged 21 or over
- You have a regular income of more than £20,0000 pa
- You have a excellent credit rating
- You have no history of bankruptcy
- You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
- You have a history of managing credit commitments well (i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage)
- You have always made payments on time
- You have had a permanent UK address for 3 months or more
- You have debt less than 10% of your income on credit cards or store cards (exludes mortgage debt)
+ Barclaycard Classic
- You don't already have a Barclaycard
- You are aged 21 or over
- You have a regular income of more than £17,500 pa
- You have an average credit rating
- You have no history of bankruptcy
- You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
- You have a limited history of managing credit commitments well (i.e. have existing credit cards, loans, overdraft or mortgage, but have no more than 2 credit commitments)
- You have a record of paying credit commitments on time that is less than 4 years old
- You have not missed any payments on a credit card or loan in the last 12 months
- You have had a permanent UK address for 3 months or more
- You have debt less than 40% of your income on credit cards or store cards (exludes mortgage debt)
Apply with more confidence
With our pre-application check – you can find out in one minute which card you may be eligible for, without affecting your credit rating.
