0% interest balance transfer for up to 20 months

1.99% transfer fee applies

Representative example – most accepted customers get

Representative 24.9% APR (variable)
Purchase rate 24.9% p.a. p.a. (variable)
Based on a £1,200 credit limit

The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates, may differ from those shown.

What do these rates mean?

Check eligibility 

Our eligibility checker can tell you if you’re likely to be accepted for the card you want.

Your Barclaycard at a glance

0% interest on balance transfers for up to 20 months

From the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer.
0% interest on purchases for up to 3 months

From the date you open your account.
1.99% transfer fee

On each balance transfer made. Terms and conditions apply which you can find in the important information section below.

Summary of rates

Terms & Conditions

Important things you need to know

At least 8 out of 10 customers accepted last month received the longest promotional period for this card. This depends on your credit history and how you’ve managed credit in the past. For the remaining customers we may offer you

0% for up to 20 months with 31.9% APR variable

0% for up to 10 months with 31.9% APR variable

The balance transfer fee will remain the same and of course if you’re not happy with an alternative you don’t have to go ahead with it.

And remember, the 20 month balance transfer period starts from the date the account is opened. That means if, for example, you don’t take it out for 60 days you’ll have 2 months less of the 0% rate.

If you decide to apply, please make sure you read the information below carefully. It tells you what you need to do to keep your 0% interest rates and what happens when your 0% interest offer ends.

To benefit from the balance transfer offer it needs to be taken out within 60 days of opening the account.

The 20 month balance transfer period starts from the date the account is opened. That means if, for example, you don’t take it out for 60 days you’ll have 2 months less of the 0% rate.

Due to the way we’ll calculate your credit limit, it might go down if you don’t complete a balance transfer within 60 days of opening the account.

This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time.

The minimum you can transfer is £250 across up to five different balance transfers. The maximum amount can vary, depending on your individual credit limit and the existing balance on your Barclaycard. We’ll let you know the maximum amount you can transfer if your application is successful.

You can only transfer balances from cards issued by other banks, not from any other Barclaycard or any of our partner-branded cards.

When your 0% offer ends you’ll be charged interest at your standard rate for anything new you buy and for any outstanding balance on your card.

Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate or for other reasons that we’ve explained in your Terms and Conditions. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest.

Your new account will be set up with digital statements. These can be found in your online Barclaycard account, which you will need to register for. You can choose to switch to paper statements at any time.

This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time.

Benefits with your Barclaycard

Barclaycard Cashback Rewards

Register for this benefit, and you can earn up to 15% cashback when you spend at a range of participating retailers. T&Cs apply

Save with Barclaycard Entertainment

You’ll have access to selected live events, festival presales and lots of customer-only perks.

One simple fee abroad

Use your Barclaycard for a simple and secure way to pay overseas. With access to an emergency replacement card or cash, it’s the perfect travel companion.

Fraud Protection 24/7

Whether you’re buying on the high street, online or overseas, our state of the art detection system monitors around the clock to stop fraud in its tracks.

Free additional cardholder

Share your card with someone close to you for flexibility when you’re not around – handy for emergencies or things like your weekly shop. (Terms apply).

Find out more about your benefits

Before you apply

Apply online in four easy steps and we’ll give you a response in one minute. If approved, your Barclaycard could be with you in seven working days.

You can apply if:

You are aged 21 or over
You haven't had any Individual Voluntary Agreements, County Court Judgements, and haven't been declared bankrupt in the past six years
You always make payments on time
You have at least four years' experience of managing credit
You have had a permanent UK address for at least two years
You have a personal income of more than £20,000 per annum
You are able to afford repayments on any outstanding credit commitments

What you’ll need to hand:

Address details for the last two years
Phone number and e-mail address
Current employment details
Details of your annual income before tax
Details of your monthly income after tax
A good idea about your monthly outgoings
Main bank account sort code and account number
In some situations, if your application is accepted you will need to provide copies of your last two bank statements or payslips

Before you go ahead, make sure you've also read and understood the summary box of rates and terms and conditions.

Also, understanding how fees and offers work can help you manage your account, so make sure you’re up to speed on the types of fees we may charge and how promotional rates work.