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Compare Barclaycard Credit Cards

Updated: 8th October 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 The Motley Fool’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 *.

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. For more information on why and how we work with partners, click here.

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. For more information on why and how we work with partners, click here.

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. For more information on why and how we work with partners, click here.

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. For more information on why and how we work with partners, click here.

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. For more information on why and how we work with partners, click here.

 

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. For more information on why and how we work with partners, click here.

 

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

What are 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. Not satisfied with offering just one 0% offer, it is one of the few providers that has a dual introductory period credit card. Here you will find 0% interest on balance transfers and 0% interest on purchases. It also has a balance transfer fee which is lower than the market average, which puts it in a competitive position.

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 0.25% 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 interest-free balance transfer offers, 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 cards that can offer you a decent interest-free period on both balance transfers and purchases, then Barclaycard has what you are looking for. While the interest-free periods on both offers don’t particularly stand out, the combination makes it a solid choice for your interest-free borrowing needs.

Meanwhile, with Barclaycard’s portfolio you will also find that rare credit card that actually offers cashback. And as Barclaycard credit cards have no annual fees, you won’t be faced with any sort of ongoing cost. Which means that you can make the most of the reward on offer.

What do you need to remember?

Like other credit cards with promotional rates, you will need to make your minimum payments in order to retain your interest-free offer on your Barclaycard credit card. What you may also find is that offers are only available to new customers. And even then applications are subject to status; so you may be offered a different credit limit, representative APR, purchase rate or promotional balance transfer period, depending on your credit history and individual circumstances.

How to apply for a Barclaycard

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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