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A smiling woman wearing a hat and scarf holds up her smartphone and her bank card

Credit cards

Choice is the key to finding the right credit card

Whether you want to start a new project, build up your credit score or consolidate your borrowing, there could be a Barclaycard to suit you.

Check to see if you’re eligible

Before you apply, find out how likely you are to be accepted for a Barclaycard with our free, easy-to-use tool. Just so you know – your credit rating won’t be affected, and you’re not obliged to apply for a card afterwards.

Balance transfer credit cards

If you’re paying interest on credit or store cards, you could consolidate what you owe with one of our balance transfer cards.

Purchase offer credit cards

Our purchase cards let you make purchases without paying any interest on the balance for a certain period. This means you can buy today, and spread the cost over time.

Reward credit cards

You could pocket cashback with our Rewards card on your everyday spending. 22.9% APR Representative (variable).

Credit building credit cards

If you’re looking to improve your credit score or start building one from scratch, our cards could help.

Compare our credit cards

Whether you’re new to credit, want to manage your money better or you’re looking for rewards, we’ve got a range of cards that could help.

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Barclaycard Rewards card

  • 0.25% cashback on your everyday spending
  • No fees abroad – you’ll be able to withdraw cash from a cash machine, buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate

Representative example

Representative 22.9% APR (variable)

Purchase rate p.a. 22.9% (variable)

Based on credit limit of £1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.

Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open your account
  • Price promise – 3% interest rate reduction if you make all your payments on time and stay within your credit limit for the first year. Keep it going in the second year and you’ll get another 2% reduction

Representative example

Representative 34.9% APR (variable)

Purchase rate p.a. 34.9% (variable)

Based on credit limit of £1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Barclaycard Platinum up to 20 month purchase and balance transfer card (a transfer fee applies)

  • 0% interest on purchases, for up to 20 months after you open your account
  • 0% interest on balance transfers for up to 20 months, which starts on the date you open your account (a 2.7% fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer

Representative example

Representative 21.9% APR (variable)

Purchase rate p.a. 21.9% (variable)

Based on credit limit of £1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

A woman taps her Barclaycard onto a chip and pin machine that is next to an blue electric guitar

More value with your Barclaycard

A whole world of Barclaycard benefits at your fingertips – like access to exclusive festival presales and 5% savings on tickets to over 3,500 live events. Plus, it's easy for you to keep track of your account on the go with the app.

Jargon buster

APR

The Annual Percentage Rate (APR) is a rate that shows you how much you’ll pay back in interest over a year. The APR figure includes any annual fee you have to pay for taking out the card.

Balance transfer

You could transfer some or all of the money you owe other lenders onto one credit card – this could be easier to manage and help save on interest.

Credit rating

It’s a score of how eligible you might be to borrow money – it’s calculated based on the information in your credit report, such as how well you’ve made repayments in the past.