The Best Barclaycard Credit Cards

Updated: 4th November, 2019.

Barclaycard is a well-established and well-known issuer in the UK credit card market, but that doesn’t mean that it is resting on its reputation alone. The provider still offers some of the most attractive deals around for balance transfers and cashback, all with digital innovation at its core.

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We’ve taken a look at Barclaycard’s credit card portfolio and selected our favourites based on introductory offers, perks and fees. Here are MyWalletHero’s picks for the top Barclaycard credit cards.

Great for: Long 0% interest on purchases and balance transfers
4.5 stars question mark

The barclaycard Platinum 25 Month Card combines two solid offers. Cardholders get 25 months of 0% interest on purchases, plus 25 months of 0% interest on balance transfers. There is a 2.7% fee on balance transfers, so those looking primarily for a balance-transfer card may want to look for a card that offers fee-free transfers.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 25 months
  • 0% interest on balance transfers for 25 months (but a 2.7% fee applies)
  • Savings on live events with Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest on purchases made over the first 25 months
  • 0% interest on balance transfers for 25 months (but a 2.7% fee applies)
  • Savings on live events with Barclaycard Entertainment
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 25 months on new purchases
    0% interest for 25 months on balance transfers made in the first 60 days

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 25 months
  • 0% interest on balance transfers for 25 months (but a 2.7% fee applies)
  • Savings on live events with Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200
Great for: Really long balance transfer period
4 stars question mark

The Barclaycard Platinum 28-month balance transfer card features a long 28 months of 0% interest on balance transfers made in the first 60 days. The drawback is that there is a fee for balance transfers, which is often the case when looking at the balance transfer cards with the longest duration. As an added sweetener, there’s also 0% on purchases for six months and ongoing access to your Experian Credit Score.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on balance transfers for 28 months
  • 0% interest on purchases for six months
  • Ongoing access to your Experian Credit Score

REPRESENTATIVE EXAMPLE

Representative rate 19.90% APR (variable)
Purchase rate 19.90% p.a. (variable)
Balance Transfer Fee 1.99%
Based on borrowing £1,200

what we like

  • 0% interest on balance transfers for 28 months
  • 0% interest on purchases for six months
  • Ongoing access to your Experian Credit Score
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 28 months on balances transferred in the first 60 days
    0% interest on purchases for 6 months

KEY SCORES:

  • 4/5 Perks
  • 4/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on balance transfers for 28 months
  • 0% interest on purchases for six months
  • Ongoing access to your Experian Credit Score

REPRESENTATIVE EXAMPLE

Representative rate 19.90% APR (variable)
Purchase rate 19.90% p.a. (variable)
Balance Transfer Fee 1.99%
Based on borrowing £1,200
Great for: Everyday cashback
2 stars question mark

There just aren’t many cashback offers these days. Which makes the Barclaycard Rewards worth checking out because it does provide simple, uncomplicated cashback. The 0.25% cashback rate, which is good on all spend until 31 August 2023, isn’t top of the market, but if you’re looking for an easy credit card with no annual fee that pays some level of cash on your spend, then this is worth a look.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0.25% cashback on all spending (until 31 August 2023)
  • No annual fee
  • Savings on live events through Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0.25% cashback on all spending (until 31 August 2023)
  • No annual fee
  • Savings on live events through Barclaycard Entertainment
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

KEY SCORES:

  • 1/5 Perks
  • 3/5Fees
  • 2/5APR

HIGHLIGHTS

  • 0.25% cashback on all spending (until 31 August 2023)
  • No annual fee
  • Savings on live events through Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

Barclaycard Credit Cards

As part of the Barclays Group, Barclaycard is one of the main high street credit card providers in the UK. The bank’s roots go back to 1690, though the card arm was set up in 1966. The card division looked to make payments more secure and convenient than cash and cheques.

In the present day, Barclaycard is still a dominant player in the market and often crops up on the best buy tables. Its card portfolio ranges from cashback cards to balance transfer cards, all with the customer support of an established brand behind it.

Barclaycard cards offer more of a full customer service package than some other providers, with extras such as Barclaycard Entertainment often included as standard. The brand also prides itself on payment innovation, so you can expect it to be at the forefront of any future digital payment developments.

And while it mainly focuses on borrowers with a good or excellent credit score, it also has an award-winning credit rebuilder option which looks to help those with a poor credit history improve their score.

What does Barclaycard do well?

Barclaycard is not only a well-established high street card provider, but it also provides competitive offers. One of its areas of focus is 0% balance transfer credit cards. It has several in its portfolio, and the introductory periods are often some of the longest on the market. While there isn’t much of a focus on 0% purchase offers, these can often be found alongside the balance transfer offers or as part of an all-rounder card.

Part and parcel with that, Barclaycard not only offers competitive interest-free introductory period on balance transfers, but it also has a balance transfer fee which is lower than the market average and it also offers fee-free options. In other words, Barclaycard generally has all the bases covered when it comes to balance transfers.

Account management is also a key element of the full Barclaycard package. You can manage your account online or through the Barclaycard app, with digital statements as standard. Most cards also give cardholders access to Barclaycard Entertainment. This feature offers discounts, exclusive access and perks at over 3,500 live events across the country each year. While this may not be the sole reason to choose a credit card, it can be a welcome perk, especially if you’re a fan of live events.

Finally, in a market where cashback offers are few and far between, Barclaycard has a card which offers a cashback yield on everyday spend. While some borrowers may be happier with a reward point system, some prefer a more tangible perk in the form of cashback.

Where does Barclaycard fall down?

Yes, Barclaycard offers some of the longest interest-free introductory periods on balance transfers, but you need to watch out for the transfer window. It is shorter than the market standard, meaning that you need to make sure you make your transfer in time to get the most out of the 0% offer.

Barclaycard also has quite a high eligibility criteria compared to other providers. With the exception of its credit building card, which is designed for those with a poor credit history, the provider requires you to be aged 21 or over, have an income of more than £20,000 per annum and have at least four years of managing credit. This is alongside having a good or excellent credit score. You will need to tick all the boxes to be in with a chance of achieving those headline rates.

Lastly, while Barclaycard may have dipped its toe in the reward card pool with a cashback offer, it hasn’t fully committed to any sort of reward point scheme. That’s not to say every credit card provider needs to have a rewards scheme, but it does mean that card shoppers have to choose between earning rewards and achieving a long introductory offer if they want to go with Barclaycard.

What will you find in Barclaycard’s card portfolio?

If you are after balance transfer offers, then you can have your pick with Barclaycard. You can look for a long 0% period, a fee-free option, or an all-rounder card which offers both balance transfers and purchases. What you will find with Barclaycard is an array of options likely to suit your balance transfer needs.

While its balance transfer offerings are strong, its 0% purchases offers come more as a package deal. You can benefit from 0% on purchases as part of a balance transfer card but the provider doesn’t really have a purchases card which can stand on its own two feet.

What you won’t find are annual fees, which is a bonus. Even if you choose the cashback option, you won’t be faced with any sort of ongoing cost, which means that you can make the most of the reward on offer.

How to apply

You can apply online through the Barclaycard website. You have the option to check your eligibility first in order to see whether you are likely to be accepted. This is a ‘soft search’ and won’t affect your credit score.

If you go ahead with the full application, you will need to provide your personal details, employment details, income information and a good idea of your monthly outgoings. As mentioned previously, for most cards in the Barclaycard portfolio applicants are required to be aged 21 or over, have a good or excellent credit score, have at least four years’ experience of managing credit and a personal income of more than £20,000 per annum.

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