You have other credit or store cards with higher interest rates. You can combine them to manage your debt in one place. And, if you pay off the balance transfers during the 0% interest period, you’ll save money on interest. Which means more money in your pocket.

• A fee for each transfer (we'll let you know what your fee will be when you apply to make a transfer)
• Your monthly minimum payments (we recommend paying more if you can afford it)
• Interest as normal on the rest of your Barclaycard balance

We’ll charge the standard interest rate on any transferred balances left at the end of the promotion. So we recommend trying to pay off the whole transfer before then.

If you miss a monthly payment or go over your credit limit, we’ll move the transferred balance on to your standard interest rate. This will show on your credit history, which might make it harder for you to borrow money again.

Try our balance transfer calculator

Work out if you can pay off the full transfer before the promotion ends. If not, moving your balance over to Barclaycard could actually end up costing you more.

If you need to borrow money as cash and know you can pay it back before the promotion ends.

• A one-off fee (we'll let you know what your fee will be when you apply to make a transfer)
• Your monthly minimum payments (we recommend paying more if you can afford it)
• Interest as normal on the rest of your Barclaycard balance

We’ll charge the standard interest rate on any cash transfer balance left at the end of the promotion. And if you miss a monthly payment or go over your credit limit. This will show on your credit history, which might make it harder for you to borrow money again.

These are examples to give you an idea – your offer details may vary.

Work out if you can afford to pay the cash transfer back in full before we start charging interest. We recommend setting up a fixed Direct Debit to make sure it’s all paid off. Otherwise it might be cheaper to take out a long-term loan instead.

Bear in mind that things you buy with the cash won’t have the same purchase protection as if you’d used your Barclaycard (standard with all UK credit cards).

If you want to spend more than £100 in one go using your Barclaycard, like on a fridge or a holiday, and know you can pay it all back in a set amount of time. You’ll also avoid new credit searches leaving a footprint on your credit history, as you’re using your existing Barclaycard balance. Be sure to check you’re eligible for this offer before you spend the money.

• A one-off fee (1% to 8%, depending on the term of your Plan)
• Interest as normal on the rest of your Barclaycard balance
• A monthly payment, made up of your fixed monthly instalment plan payment plus your monthly payment for the rest of your Barclaycard balance.
  
  

If you miss two monthly plan payments or go over your credit limit, we’ll end your plan and charge interest on the balance at your standard rate. This will show on your credit history, which might make it harder for you to borrow money again.

This is an example to give you an idea – your offer details may vary. Check out more example Plans here.

Offers aren’t always available to everyone, so check you can get this offer before you spend the money. We can only approve the plan if it you’ll have at least 15% of your credit limit left after you buy the big item.

It’s also a good idea to shop around to see if a loan would be a cheaper option. But bear in mind, using your credit card means you could get purchase protection (standard with all UK credit cards) if your purchase is damaged, faulty, or not delivered.