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Compare Barclaycard Credit Cards

Updated: 22nd July 2021

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 cashback, all with digital innovation at its core. Barclaycard credit cards also cover the bases when it comes to balance transfers.

We’ve taken a look at Barclaycard’s credit card portfolio and selected our favourites based on introductory offers, perks and fees.

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Here are MyWalletHero’s picks for the top Barclaycard credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: those who travel for business
4.5 stars question mark
Barclaycard Business
Apply Now!

On Barclaycard's Secure Website

* Affiliate partner

The combination of travel benefits and business perks makes the Barclaycard Premium Plus Business Credit Card a tough business card to beat. But it comes at a price.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Enhanced travel insurance
  • Cashback on travel and trade. T&Cs apply.
  • Discounted rate on foreign exchange fees

REPRESENTATIVE EXAMPLE

Representative 49.4% APR (variable)
Purchase rate 14.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £150

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • Enhanced travel insurance
  • Cashback on travel and trade
  • Discounted rate on foreign exchange fees
  • ANNUAL FEE:

    £150
  • REPRESENTATIVE APR:

    49.4%
  • INTRO OFFER:

    Introductory 0% on purchases for 6 months from account opening (subject to application & financial circumstances)

KEY SCORES:

  • 5/5 Perks
  • 4/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • Enhanced travel insurance
  • Cashback on travel and trade. T&Cs apply.
  • Discounted rate on foreign exchange fees

REPRESENTATIVE EXAMPLE

Representative 49.4% APR (variable)
Purchase rate 14.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £150

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: online account management and Business Rewards.
4.5 stars question mark
Barclaycard Business Card
Apply Now!

On Barclaycard's Secure Website

* Affiliate partner

This card allows you to control your purchases and employee benefits while offering you protection on purchases and cardholder misuse insurance. Meanwhile, the card enables you to keep a handle of your spending with online servicing and its MyControls portal. Here, you can manage your employees cards and control your business expenses. It carries no annual fee and you can earn 1% cashback on eligible business spend. This is in addition to access to the Barclaycard Business Rewards scheme, which includes rewards from leading brands such as Amazon Business and Avis. T&Cs apply. 

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 1% cashback on eligible business spend. T&Cs apply
  • Up to 56 days interest-free credit on purchases when paid in full & on time
  • Comes with insurance benefits

REPRESENTATIVE EXAMPLE

Representative 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • Ability to control purchases and employee benefits
  • No annual fee
  • Access to the Barclaycard Business Rewards Scheme
  • ANNUAL FEE:

    N/A
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • 1% cashback on eligible business spend. T&Cs apply
  • Up to 56 days interest-free credit on purchases when paid in full & on time
  • Comes with insurance benefits

REPRESENTATIVE EXAMPLE

Representative 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: controlling business spending, purchase protection and cardholder misuse insurance.
4 stars question mark
Barclaycard Business Card
Apply Now!

On Barclaycard's Secure Website

* Affiliate partner

This is a card that can help businesses stay on top of their expenses and manage employee cards through its easy to use online account management and control portals. You’ll also benefit from a wealth of perks that come with this card including purchase protection and enhanced cardholder misuse insurance, a low annual fee (with zero additional cardholder fees) not to mention access to discounts through the Barclaycard Business Rewards scheme. T&Cs apply.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • Purchase protection
  • Up to 38 days to pay interest-free
  • Cardholder misuse insurance up to £1m per year for entire business (subject to application). T&Cs apply.

REPRESENTATIVE EXAMPLE

Representative 3.6% APR (variable)
Assumed credit limit £1,200
Annual fee £42

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • Purchase protection
  • Up to 38 days to pay
  • Cardholder misuse insurance up to £1m per year for entire business (subject to application). T&Cs apply
  • ANNUAL FEE:

    £42
  • REPRESENTATIVE APR:

    3.6%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3.5/5 Perks
  • 4.5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • Purchase protection
  • Up to 38 days to pay interest-free
  • Cardholder misuse insurance up to £1m per year for entire business (subject to application). T&Cs apply.

REPRESENTATIVE EXAMPLE

Representative 3.6% APR (variable)
Assumed credit limit £1,200
Annual fee £42

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

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

Barclaycard Platinum 18-Month Balance Transfer/20-Month 0% Interest Purchase Card combines two solid offers. Cardholders get 20 months of 0% interest on purchases, plus 18 months of 0% interest on balance transfers. There is a 2.9% fee on balance transfers, so those looking to keep costs down 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 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest on purchases made over the first 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% interest for 20 months on new purchases
    0% interest for 18 months on balance transfers made in the first 60 days

KEY SCORES:

  • 3/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 18 months
  • 0% interest on balance transfers for 20 months (but a 2.9% fee applies)
  • Savings on live events with Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 21.9% APR (variable)
Purchase rate 21.9% p.a. (variable)
Based on borrowing £1,200
Great for: Everyday cashback
3.5 stars question mark

There just aren’t many cashback offers these days. This makes the Barclaycard Rewards card worth checking out because it provides simple, uncomplicated cashback. The 0.25% cashback rate 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 cashback 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
  • No annual fee
  • No non-sterling transaction fees
  • 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
  • No annual fee
  • No non-sterling transaction fees 
  • Savings on live events through Barclaycard Entertainment
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

KEY SCORES:

  • 3/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0.25% cashback on all spending
  • No annual fee
  • No non-sterling transaction fees
  • 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
Great for: Payment flexibility for spend at Toolstation/Travis Perkins Group Companies
3.5 stars question mark

As with any store card, you really feel the benefits on offer if you use your card for purchases at the retailer. The Toolstation Trade Card offers up to 116 days interest-free on purchases made at Toolstation and participating Travis Perkins companies and charges no annual fee. In addition to that, customers receive three months interest-free on all purchases and access to Barclaycard’s Business Rewards programme, making it an attractive offer for any business wishing to keep its cash flow healthy.

Read full review >

CREDIT RATING req:

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

HIGHLIGHTS

  • 3 months 0% interest on purchases from account open
  • 116 days interest-free on spend at Travis Perkins Group Companies (terms apply)
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative 24.9% APR (variable)
Purchase rate 24.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

what we like

  • 3 months 0% interest on purchases from account open
  • 116 days interest-free on spend at Travis Perkins Group Companies (terms apply)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    24.9%
  • INTRO OFFER:

    Three months interest-free on purchases.

KEY SCORES:

  • 3.5/5 Perks
  • 5/5Fees
  • 2.5/5APR

HIGHLIGHTS

  • 3 months 0% interest on purchases from account open
  • 116 days interest-free on spend at Travis Perkins Group Companies (terms apply)
  • No annual fee

REPRESENTATIVE EXAMPLE

Representative 24.9% APR (variable)
Purchase rate 24.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £0

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