Credit Cards for purchases

Gain control over your credit card purchases

  • 0% introductory rates with our purchase offers
  • Our lowest APR credit card has 7.9% interest
  • Apply online quickly and easily

 

 

Products

Barclaycard Platinum Purchase Visa

Barclaycard Platinum with balance transfer and purchase offer 

  • 0% for 14 months on purchases and 0% for 23 months on balance transfers (2.49% handling fee applies)
  • A fee of 3.5% will be applied, then reduced to 2.49% by a refund
    ( terms and conditions apply )

APR and offer terms may vary with individual circumstances, subject to status

To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate, which is also the rate you'll pay when your promotional period has ended. If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate has expired, unless you repay your balance in full.

Representative
example

Representative APR
18.9% APR
(variable)
Purchase Rate pa
18.9% pa
(variable)
Assumed Credit Limit
£1,200
(variable)

Subject to application and status. The terms of your product may differ from the example.

 

Additional benefits

  • Online account services – sign up to mybarclaycard to keep track of your account*
  • Purchase Delivery Protection – use your Barclaycard when purchasing products and services from UK retailers and you’re protected if your delivery is lost or damaged
  • Emergency help – we offer replacement cards and emergency cash advances, depending on the money in your account. If you’re abroad, you can count on our Worldwide Assistance team to help you, 24 hours a day
  • Free text alert service
  • Contactless payment – you can make fast, easy and secure payments of £20 or under in seconds, wherever you see the contactless symbol
 
* You’ll be notified by email each month when your statement is ready to view online. If you prefer, you can opt to receive paper statements at any time by selecting the option in ‘Your settings’ in your online account services.

Purchase credit card guide

You could:

  • Take advantage of our 0% interest on purchase offers
  • Enjoy low interest rates for the long term

We could offer you our lowest APR yet or 0% interest on purchases and balance transfers for 12 months from account opening. You can give yourself a break from paying interest for a year or simply enjoy our lowest APR.

 

Got a question?

 

  • How can a purchase card benefit me?

    A purchase credit card can be a convenient way for you to borrow and have nothing to pay for a 0% interest free period, depending on the offer that comes with the card you choose. It could mean you don’t have to wait in order to buy the item you’ve had your eye on and you can spread the cost of your purchase to give yourself some financial freedom.

  • Why should I use a purchase card for my spending?

    Using a purchase card means you don’t have to pay upfront for your goods and provided you can pay off the balance in full each month and within the offer term, you can either pay low interest rates or avoid interest rates altogether.

  • How could a purchase card with balance transfers work for me?

    You could save by paying little or no interest on your purchases for the period of your offer whilst being able to move your existing debt over, with the potential of reducing your debts faster.

 

 

Eligibility

Now that you've seen the benefits that getting a purchase card can bring, see if you are eligible.

  • You don't already have a Barclaycard
  • You are aged 21 or over
  • You have a regular income of more than £20,000 pa
  • 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 (ie 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 (excludes mortgage debt)

 

Apply with more confidence

With our pre-application check – you can find out in 1 minute which card you may be eligible for, without affecting your credit rating.