Barclaycard Platinum credit card

0% interest balance transfer for up to 18 months and up to 20 months for purchases. Our great all-rounder Platinum credit card. 2.9% transfer fee applies.

Your Barclaycard Platinum at a glance

0% interest on purchases for up to 20 months from the date you open your account
0% interest on balance transfers for up to 18 months from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
2.9% transfer fee on each balance transfer made. You can read the terms and conditions for this offer in the information section below

The approval of your application depends on your 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.

What do these rates mean?

Summary of rates Terms and conditions [PDF, 251KB]

Representative example

Representative 21.9% (variable)

Purchase rate p.a. 21.9% (variable)

Based on credit limit of £1,200

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Use our free eligibility checker before you apply to find out whether your application is likely to be accepted for a credit card.

It only takes a few minutes and it won’t affect your credit rating.

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Important information

Use our calculator to see if this is the right card for you to transfer your balance to. It’s on a separate page, so the link below will open a new page in your browser.

Go to the calculator
At least eight out of 10 people accepted for this card last month received the longest promotional period available. Whether you do will depend on your credit history and how you’ve managed credit in the past.

We may offer you

0% for up to 18 months with 24.9% APR variable or 29.9% APR variable

The balance transfer fee will remain the same and, of course, if you’re not happy with the alternative, you don’t have to go ahead with it

The 18-month balance transfer period starts from the date the account is opened. That means if, for example, you don’t use it in the first 60 days, you’ll have two months less of the 0% rate.
Please read the information below carefully, before you apply.

It tells you what you need to do to keep your 0% interest rates and what happens when your 0% interest offer ends.

To benefit from the balance transfer offer, you’ll need to use it within 60 days of opening the account.

The 18-month balance transfer period starts from the date the account is opened. That means if, for example, you don’t use it in the first 60 days, you’ll have two months less of the 0% rate.

This offer is only available if this is your first credit card with us, and we reserve the right to withdraw it at any time.

The minimum you can transfer is £250 across up to five balance transfers. The maximum transfer will be 90% of your credit limit. You can’t make a transfer from any other Barclaycard or our partner cards.

When your 0% offer ends, you’ll be charged interest at your standard rate for anything new you buy and for any outstanding balance on your card.

Due to the way we’ll calculate your credit limit, it might go down if you don’t complete a balance transfer within 60 days of opening the account.
Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes won’t apply to your promotional interest rates. More information is available on our understanding interest page.

Your new account will be set up with digital statements, which can be found in Online Banking – you’ll need to register for this. You can choose to switch to paper statements at any time.

This offer is only available if this is your first credit card with us, and we reserve the right to withdraw it at any time.