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Compare Barclaycard Credit Cards

Compare Barclays credit cards – read our review and compare the features and benefits available from Barclays. We can help you to make an informed decision and find a card that suits you.

Barclaycard Credit Cards Review

Barclays offer a variety of credit cards to accommodate a range of needs, so whether you're looking to move your existing debt over to a barclays credit card using the 0% balance transfer feature, you want the card to make purchases and benefit from the 0% purchase rate, or you want a new way to pay for all of your daily spending whilst accumulating reward points or cash back, barclays have a credit card to suit you.

Barclaycard Platinum

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Advice

Balance Transfers have to be made within 60 days of opening the account. The amount transferred must not exceed 90% of the available credit on your account.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 months
Balance Transfer Fee: 2.9%
Purchase Rate: 0% p.a. for 3 months
Typical APR
Purchases: 15.9% p.a.
Balance Transfers: 15.9% p.a.
Balance Transfer Fee: 2.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000

Barclaycard Simplicity

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Advice

Get 7.8% APR typical (variable)

(Applies to every purchase and/or balance transfer you make)

No balance transfer handling fee!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: 7.8% p.a.
Balance Transfers: 7.8% p.a.
Cash Advance: 15.8% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 21 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £20,000 p.a

Barclaycard Initial

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Advice

This card is designed for individuals who may have had credit history issues in the past (not including bankruptcy or IVA's) and as a result have been rejected for credit elsewhere.
This card will help you rebuild your credit rating by providing you with a small credit limit £250 which will increase to £2,000 if handled responsibly over a period of 9 months.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: 27.9% p.a.
Balance Transfers: 27.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: £250 - £2000
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • Have a permanent UK address for 3 months or more
  • Haven't missed multiple payments on a credit agreement within the last 12 months
  • Don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
  • You have an income over £10,000 p.a

Barclaycard Gold (12 Mnth Balance Transfer)

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Introductory Offer
Balance Transfer Rate: 0% p.a. Until Apr 2011
Balance Transfer Fee: 2.5%
Purchase Rate: N/A
Typical APR
Purchases: 19.9% p.a.
Balance Transfers: 19.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • You haven't missed multiple payments on a credit agreement within the last 12 months
  • You don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
  • You don't already have a Barclaycard
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Credit Card Benefits

  • If you have had small payments issues in the past this card could help by managing your Barclaycard Gold and other accounts responsibly (for example by paying your mobile phone and utility bills on time), you could help strengthen your Credit Rating.
  • You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.

Barclaycard MasterCard Business Card

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Advice

Get up to 56 days interest free on your business spend.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: 15.2% p.a.
Balance Transfers: 15.2% p.a.
Cash Advance: 26.9% p.a.
Annual Fee: £32
Standard Features
Credit Limit: £10,000 (Subject to Status)
Interest Free Days: 56 days
On-Line Banking: Yes

Credit Card Benefits

  • You can take advantage of up to 56 days' of interest-free credit, when your bills are paid in full and on time each month. For even more flexibility, you could pay as little as £5 or 5% of the balance, whichever is greater.
  • With Barclays Business MasterCard credit cards, you can access transactions and statements as well as management and annual reports, online. Search by supplier, date and amount, to monitor spending patterns!

Barclaycard Visa Gold/Platinum Business Card

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Advice

Get up to 56 days interest free on your business spend.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: 15.2% p.a.
Balance Transfers: 15.2% p.a.
Cash Advance: 26.9% p.a.
Annual Fee: £32
Standard Features
Credit Limit: £10,000 (Subject to Status)
Interest Free Days: 56 days
On-Line Banking: Yes

Credit Card Benefits

  • You can take advantage of up to 56 days' of interest-free credit, when your bills are paid in full and on time each month. For even more flexibility, you could pay as little as £5 or 5% of the balance, whichever is greater.
  • With Barclays Business MasterCard credit cards, you can access transactions and statements as well as management and annual reports, online. Search by supplier, date and amount, to monitor spending patterns!
  • Cardholder misuse Insurance - If one of your credit cards is misused, even by temporary staff, and you cannot get reimbursed, you're covered for up to £15,000 per cardholder. And your business, as a whole, is protected for up to £1,000,000 each year.
  • Purchase Protection - Buy eligible goods worth over £50 with your credit card and you’re protected against accidental damage, loss or theft for the first 90 days for up to £2,500 per item for Gold cards, and £3,000 for Platinum.
  • 24 month extended warranty - Eligible purchases worth over £50 and made with your credit card are covered for an extra 12 months beyond the manufacturer's warranty, to a maximum of 24 months.
  • Travel accident cover for 4 people - Using your credit card to pay for trips insures up to 4 people, including the cardholder, for £100,000 each.

Barclaycard Platinum/Gold Corporate Charge Card

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Advice

Get up to 38 days interest free on your business spend. If you miss a payment date, interest is charged at 2% a month, calculated daily from the statement date until the balance (including any charges) is repaid in full.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: N/A
Balance Transfers: N/A
Cash Advance: N/A
Annual Fee: £32
Standard Features
Credit Limit: £10,000 (Subject to Status)
Interest Free Days: 38 days
On-Line Banking: Yes

Credit Card Benefits

  • You can take advantage of up to 38 days interest free on your business spend. If you miss a payment date, interest is charged at 2% a month, calculated daily from the statement date until the balance (including any charges) is repaid in full.
  • With Barclays Business Corporate Charge credit cards, you can access transactions and statements as well as management and annual reports, online. Search by supplier, date and amount, to monitor spending patterns!
  • 90 day purchase protection - Eligible goods worth over £50, when bought on your card, are protected against accidental damage, loss or theft for the first 90 days for up to £2,500 per item for gold cards, and £3,000 for platinum.
  • 24 month extended warranty - Use your card to buy goods worth over £50 and we'll automatically double the manufacturers warranty period to a maximum of 24 months, provided the products are eligible.
  • Cardholder misuse insurance - This protects you in the event that an employee, whether they're permanent or temporary, uses their card inappropriately. You're covered for up to £15,000 for each cardholder and £1,000,000 for your business as a whole, every year.
  • Card Protection Plan - This additional service, which costs £29 a year or £70 for three years, protects you from the cost and hassle of replacing personal and business cards, passports and driving licenses.
  • When necessary, they can be cancelled and replaced with just one call. Each cardholder is insured for up to £100,000 against fraud.
  • If cardholders are travelling when documents go missing, we would arrange emergency travel documents, tickets and cash advances of up to £3,000. So all they have to do upon their return is apply for new documents.

Barclaycard News

Barclaycard credit card expand contactless payment services
Those wishing to use contactless credit card technology will be able to pay for higher-value transactions. ...
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Tue 2nd Mar, 2010
Barclaycard prepares to launch revolutionary reward scheme
Barclaycard has revealed details of its plans to launch the country’s “broadest ever retail rewards scheme” in March. ...
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Thu 28th Jan, 2010
Barclaycard increases balance transfer period on platinum credit card
Barclaycard has increased the number of interest free months on balance transfers and removed the fixed end date, so customers can benefit from the entire 0% period from the date they ...
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Thu 28th Jan, 2010
Barclaycard reach contactless credit card milestone
A landmark of five million contactless credit cards in circulation has been reached by Barclaycard. ...
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Thu 10th Dec, 2009
Barclaycard offers credit card assistance
Thousands of Barclaycard Credit Card customers are being provided with help with managing their credit card debts, it has been revealed. ...
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Tue 11th Aug, 2009

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