MENU

Best Barclaycard credit card

Image source: Getty Images.

Rather than relying on its name and reputation, Barclaycard seems determined to retain its competitive edge by matching the best credit card deals on the market.

Its current batch of credit card offerings are highly competitive, including one of the UK’s longest balance transfer credit card introductory rates, and a strong offering on 0% purchase credit cards.

Barclaycard also has an option for those wanting credit cards for bad credit, as well as what could be one of the most generous rewards credit card deals around.

If you are looking to compare the best credit cards, you can’t afford to ignore Barclaycard. 


Barclaycard Platinum 35 month balance transfer

Good for: Market-leading 0% balance transfer credit card

Barclaycard is the UK’s best-known credit card issuer and this Platinum balance transfer card shows why, with a 0% introductory rate for 35 months. The 3.5% transfer fee looks pricey but you get an immediate refund, which cuts it to 1.85%, lower than most. As an extra perk, you get £20 cashback when transferring a balance of £1,000 or more within 60 days of opening an account, an offer ending on 14 May 2018. You also pay zero interest on purchases for a generous six months. Applicants must be at least 21 years old, with annual income of £20,000 or more. If you can match that, Barclaycard has still got it.

Balance transfer period

0% for first 35 months (with 1.85% transfer fee

Introductory purchases

0% for 6 months

Purchase APR

19.9%, subject to status

Credit requirement

Excellent/good

Annual fee

None

Extra benefits

Partial refund of balance transfer fee plus £20 cashback


Barclaycard Platinum 27 month 0% interest purchase and balance transfer offer

Good for: Interest-free credit card for purchases and balance transfers

This version of the Barclaycard Platinum does exactly what it says on the tin: combining the charms of 0% purchase credit cards and a 0% balance transfer card, for 27 months each. The transfer fee is relatively low, reduced to just 1.45% by an initial rebate. You also £20 cash back when transferring £1,000 or more with 60 days, offer ends on 14 May 2018. Once again, Barclaycard Platinum shows its mettle.

Balance transfer period

0% for 27 months (3.5% transfer fee reduced to 1.45%)

Introductory purchases

0% for 27 months

Representative purchase APR

19.9%, subject to status

Credit requirement

Excellent/good

Annual fee

None

Extra benefits

£20 cash back when transfer £1,000 or more with 60 days


Barclaycard Freedom Rewards Card

Good for: Free and easy 0% credit card with a point to prove

Barclaycard Freedom Rewards Credit CardBarclaycard Freedom is one of the best rewards credit card deals in the UK today. As if that was not enough, it is also a combined balance transfer credit card and 0% purchase credit card, both lasting 12 months A slightly higher APR than other Barclaycard deals means it works best for those who clear their balance each month. You collect points whenever you use the card, with no limit on how many you can collect, and spend them online, on the high street, or at cinemas, theatres, zoos or your favourite pizza restaurant. Tuck in!

Introductory balance transfer deal

0% for 12 months on transfers made in first 60 days (fee 2.9% reduced to 0.15%)

Introductory purchases offer

0% for 12 months

Representative APR on purchases

21.9%, subject to status

Credit requirement

Excellent/good

Annual fee

None

Rewards

Each £1 spent at UK supermarkets, petrol stations and Transport for London earns 2 points, plus 1 point everywhere else. £5 vouchers for each 1,750 Freedom points to spend at more than 70 partners including Amazon, Argos, Boots, Debenhams, M&S and Topshop, or many cinemas and restaurants


Barclaycard Initial

Good for: New borrowers or those with past credit problems

Sometimes having no credit history can almost be as big a problem as having a damaged credit record, as lenders don’t know how to judge your application.

If you’re in that position, Barclaycard Initial can get you started. One of the best credit cards to build credit, it is designed for people with limited or no credit history, as well as those with prior problems. It also numbers among the UK’s 0% purchase credit cards, with 0% interest for the first three months (avoid the temptation to rack up more debt you cannot repay). Initial representative APR start at 34.9% but may reduce after a year, provided you make all minimum payments on time and stay within your credit limit.

Introductory offer

0% interest on purchases for first three months

Credit limit

Between £150 and £1,200, subject to status

Representative APR on purchases

 

34.9% variable, subject to status and credit checks. May be reduced after a year if you manage card sensibly.

Credit requirement

Earnings over £3,000, must be employed, not have been made bankrupt in the last six years, maximum one CCJ, no recent missed bill payments

Annual fee

None

Extra benefits

Free text and email alerts to help you stay on track, manage your money through a mobile app, exclusive entertainment perks


Barclaycard low-rate Platinum credit card

Good for: Simple low-rate plastic

Sometimes it pays to keep things simple. If you subscribe to that philosophy, you might want to sign up to the Barclaycard low-rate Platinum credit card, which charges a simple 6.9% interest rate on all of your purchases and balance transfers.

Introductory offer

No interest-free introductory rate but no fee on balance transfers in first 60 days (3% thereafter)

Representative APR on purchases

 

6.9%, subject to status

Credit requirement

Excellent/good

Annual fee

None

5 Things You MUST Check Before You Apply For A Credit Card

Thanks to the research we’ve done for you, you should have a good idea of which credit card suits your needs best. Now there’s just one more important page you need to read: “5 Things You MUST Check Before You Apply For A Credit Card” is a special report from The Motley Fool, and it’s completely free!

This expertly prepared report will inform you how to repair your credit history, explain why your credit report may contain errors and how you can fix these, as well as guide you through exactly how the UK credit scoring system works and why you need to understand it. All that’s left to do is click here for access, and it won’t cost you a penny!

The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool UK has recommended shares in Barclays.