Credit cards
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Barclaycard Platinum with balance transfer
- 0% interest on balance transfers for 26 months from account opening (3.5% handling fee applies)
- 0% interest on purchases for 6 months from account opening
- Includes contactless technology for quick and easy payments on purchases of £20 or under
Representative
exampleRepresentative APR
18.9%
(variable)
Purchase rate pa
18.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. Terms and conditions apply to offers.
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New Barclaycard Cashback card
- You’ll get 2% cashback on your 5 biggest purchases each month when you use your card a minimum of 15 times over the month
- And you’ll earn 0.5% cashback on everything else you buy
- It’s the only card that says ‘hello’ with a 6% welcome bonus. Earn up to £120 on your 5 biggest purchases in each of your first 3 months
- You'll also get a 4% ‘thank you’ bonus every year on your top 5 purchases in the month after your card anniversary
Representative
exampleRepresentative APR
24.8%
(variable)
Purchase rate pa
19.9%
(variable)
Assumed credit limit
£1,200
Annual Fee
£24
Subject to application and status. The terms of your product may differ from the example.
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New Barclaycard Freedom Rewards card
A new credit card that makes your money work harder and rewards you fast. Collect Freedom points everywhere you shop and choose rewards from a huge range of Freedom partners.
- Get 10,500 Freedom bonus points worth £30 when you spend £500 or more in your first 3 months
- Collect Freedom points wherever you shop, with double Freedom Reward points on your UK supermarket and petrol station spend and triple Freedom Reward points at selected Freedom partners
- 0% interest on balance transfers for the first 9 months (2.9% handling fee)
Representative
exampleRepresentative APR
18.9%
(variable)
Purchase rate pa
18.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. -
Barclaycard Platinum with Purchase
- 0% interest on balance transfers for 12 months from account opening (2.9% handling fee applies)
- 0% interest on purchases for 12 months from account opening
- Includes contactless technology for quick and easy payments on purchases of £20 or under
Representative
exampleRepresentative APR
18.9%
(variable)
Purchase rate pa
18.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example.
-
Barclaycard Classic
- 0% interest on balance transfers for 12 months from opening your account (2.5% handling fee applies)
- Includes contactless technology for quick and easy payments on purchases of £20 or under
Representative
exampleRepresentative APR
19.9%
(variable)
Purchase rate pa
19.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. -
Barclaycard Simplicity
Enjoy a low rate on all purchases and 7.9% on all balance transfers (no handling fee applies).
- Simply our lowest APR
- 7.9% interest on all purchases and on all balance transfers (no handling fee applies)
- You'll automatically receive paperless statements, making it easier to manage your account online
Representative
exampleRepresentative APR
7.9%
(variable)
Purchase rate pa
7.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. -
Barclaycard Initial
Your first step to a positive credit future
We don’t believe in making life difficult. If you’re new to credit, this is the perfect card for you.
- 0% interest on purchases for 3 months from account opening
- Start with a manageable credit limit that we may later review and increase
- Includes contactless technology for quick and easy payments on purchases of £20 or under
Representative
exampleRepresentative APR
29.9%
(variable)
Purchase rate pa
29.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. -
Hilton HHonors™ Platinum Visa®
Winner of the Best Card Benefits Programme at The Card and Payments Awards 2012.
Enjoy exclusive benefits and earn HHonors points that can be redeemed for free hotel stays and more.
- Get a free night certificate for any weekend night at many participating hotels in the Hilton Worldwide portfolio when you spend £750 in the first 90 days
- Receive HHonors Gold Elite status when you spend £10,000 in any calendar year
- Receive HHonors Silver Elite status for as long as you have the card
- Earn 2,500 bonus points for each of your first 4 stays at any Hilton Worldwide hotel in your first 12 months of card membership
Representative
exampleRepresentative APR
18.9%
(variable)
Purchase rate pa
18.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. -
Priority Club® Rewards Visa®
Travel in style – earn points for hotel stays, flights anywhere and much more, plus an interest-free balance transfer (2.99% handling fee applies).
- 10,000 Priority Club bonus points earned with your first purchase within 90 days of account opening
- Earn 2 Priority Club points for every £1 you spend at InterContinental Hotels Group hotels
- Earn 1 Priority Club point for every £1 you spend on everything else
Terms and conditions Representative
exampleRepresentative APR
18.9%
(variable)
Purchase rate pa
18.9%
(variable)
Assumed credit limit
£1,200
Subject to application and status. The terms of your product may differ from the example. -
Priority Club® Rewards Black Visa®
Be rewarded – earn double points on all your spend and enjoy a free night voucher each year when you spend £10,000 (points compared to Priority Club ® Rewards Visa®, annual fee applies).
- 20,000 Priority Club bonus points earned with your first purchase within 90 days of account opening
- Earn 4 Priority Club points for every £1 you spend while abroad as well as at InterContinental Hotels Group hotels
- Earn 2 Priority Club points for every £1 you spend on everything else
- Receive a free night voucher valid at over 4,400 InterContinental Hotels Group hotels if you spend at least £10,000 per year
Terms and conditions Representative
exampleRepresentative APR
42.2%
(variable)
Purchase rate pa
19.9%
(variable)
Assumed credit limit
£1,200
Annual Fee
£99
Subject to application and status. The terms of your product may differ from the example.
Benefits you get with a Barclaycard
Barclaycards (excluding reward cards) come packed with a range of benefits including:
- Identity Protection Service
- Fraud monitoring
- Purchase Delivery Protection
- Worldwide Assistance
- Travel Service
- Online account services
- Emergency card replacement
- Cash advance
- Free text alert service
- Barclaycard Unwind
Need help with jargon?
Here are the five definitions that we think you'll find most helpful.
- Contactless payment technology
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A new, quick and easy way to pay for purchases of £20 or under. Simply hold your Barclays debit or credit card against the reader at the till. Enjoy the same fraud protection as Chip and PIN. All new Barclays debit or credit cards now come with integrated contactless payment technology.
- Interest-free period
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There are normally 2 separate instances where you will not have to pay interest on your card balance – on your initial balance transfer and for a set period of time after you receive your statement each month. When you get a new card you may be given an interest-free period of between 3 months and a year to pay off any balance transfers from your old credit card, store card or loan. This service usually carries a one-off handling fee. You’ll also usually be given an interest-free period every month after you receive your statement. If you pay off your statement balance in full before the end of the interest-free period you won’t pay any interest on your purchases. This does not generally apply to balance transfers (after the introductory period), cash withdrawals or cheques drawn from your credit card account. The interest-free period, on all Barclays credit cards is 56 days.
- Credit rating
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A system used by banks and finance companies to assess applications for credit cards. Your credit rating is based on information in your credit report and on the information you give about yourself in your application. Your credit report will include information from the electoral roll, details about any court judgments or bankruptcies in your name and details of your existing and previous credit arrangements (such as credit cards, loans and mortgages) held in the past 6 years. We may also contact external credit-rating agencies if we need further information. We try and make the system as transparent as possible and we also have a dedicated page with some information about Your credit rating . If you have been turned down for a credit card, you may want to read through these suggestions before you apply again.
- Pre-selected
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You may be pre-selected to apply for a Barclays credit card. Log in to Online Banking to see if you have been pre-selected to apply for a card. If you’re a Barclays Online Banking customer, we’ve made it even easier for you by filling in some of your details on the application form.
- Default charges
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These are fees applied if you do not pay your minimum payment in time, go over your credit limit or if one of your payments is returned because you didn’t have enough credit in your account. As well as costing you money, these defaults will damage your credit rating and reduce your chances of getting a better credit limit or a new card with an improved interest rate, so it’s a good idea to keep on top of your repayments and know your credit limit.
Need other terms explained? See our Credit cards Jargon Buster
