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Purchase credit cards

Choosing between spreading the cost of purchases or earning rewards

When you spend with our Purchase card, you can buy today, and spread the repayments over time. Or you might prefer our Rewards card, which could give you cashback on your everyday spending. The choice is yours. 

  • Rewards card – 0.25% cashback on everyday spend (exclusions apply). 22.9% APR Representative (variable). Plus, no fees on purchases abroad when you pay in the local currency
  • Purchase card – avoid paying interest during your promotional period, when you stay within your credit limit and pay at least the minimum payment every month
  • To see if your application for this card could be successful, you can check your eligibility, with no effect on your credit score

Barclaycard Rewards card

  • 0.25% cashback on all your spend
  • No fees on purchases abroad - as long as you pay in the local currency then you won’t pay fees on non-sterling purchases

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 Platinum up to 20 month purchase and balance transfer card (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.

What benefits do you get with Barclaycard?

A wide range of features, tools and handy extras awaits. Here are some of them.

Convenient banking in our apps

Pay bills, check balances, and manage your accounts, safely and securely with our apps.

Lots of help and support

You can call us from our apps at anytime – it’s easy to get in touch.

Your purchases are protected as standard

Pay with Barclaycard and, as with any credit card, your purchases over £100 could be protected if they’re faulty or damaged when you receive them.

Fraud-prevention features

Your account gets 24/7 monitoring – we’ll text or call you within 60 seconds if we see any suspicious activity.

Presale tickets to shows

Beat the crowds to the newest events with presale tickets.

Choose a card or loan that suits you best

Reward credit cards

Offers on your shopping with our cashback credit card

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

You’ll earn cashback on new purchases that you make. You won’t earn cashback on balance transfers, money transfers, cash withdrawals, buying currency or traveller’s cheques, or any cash-like transactions you make such as money orders or wire transfers. It also doesn’t include gaming-related transactions such as gambling, betting and buying lottery tickets.

Reward credit cards

Credit building credit cards

Helping you move forward

Our cards could help you improve a bad credit score, or start building your credit history from scratch over time. Our price promise means we’ll reduce your interest rate over the first two years – you just need to stay within your credit limit and make at least the minimum payment each month.

If you manage your account well, by doing things like staying within your credit limit and making at least the minimum payment each month, you could improve your credit rating over time. But if you don’t manage your account properly, you could harm your rating.

Check your eligibility before you apply to see if you could be successful, without impacting your credit score.

Explore credit cards

Balance transfer credit cards

Take control of your debt

If you’re paying interest on credit or store cards, you could consolidate what you owe with one of our balance transfer credit cards – and step toward a debt-free future.

  • Checking your eligibility can show you if you can get a Barclaycard, without affecting your credit score
  • If you stay within your credit limit and make at least your minimum payment on time every month, you could avoid paying interest on your transferred balances during your promotional period
Balance-transfer cards