Try our repayment calculator
Clear your balance sooner and pay less in interest
See how long it'll take to pay off your credit card balance and how a small change to your monthly repayments could make a big difference
Repayment Calculator
See how long it'll take to pay off your credit card and how much you could save on interest by increasing your monthly payments.
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Please enter a numerical value of £1 or higher.Whoops, check the card balance
This seems too high. Try a smaller balance.Whoops, check the payment amount
You don't need to pay more than the full balance.Whoops, check the payment amount
You must pay at least the minimum monthly payment (estimated to be £5).Whoops, check the interest rate
Please enter a numerical value only.Whoops, check the interest rate
This seems too high. Check your latest statement for your compound interest rate.Whoops, check the monthly repayment
Please select one of the payment options.We're working our magic....
Balance
on card
To clear your balance you’d pay
The time it will take
Your estimated minimum payment of
£5will decrease each month, meaning you'll be in debt for longer. See how much you could save by switching to a fixed payment.
Results are a guide, assuming your minimum payment is 1% of your main balance (plus interest and default and maintenance fees). Your statement will show your minimum payment rate, which may vary. We assume no additional spend or fees and apply the same interest rate to every balance.
We're working our magic....
Whoops, check the payment amount
Please enter a numerical value only.
Even though you've increased to pay the full amount, you'll still pay some interest
This is because your current payment wouldn't have fully repaid the balance last month. So you'll be charged interest for that, but paying this month in full means no interest next month.
Whoops, check the payment amount
You don't need to pay more than the full balance.
Whoops, check the payment amount
You must pay at least the minimum monthly payment (estimated to be £5).
Balance
on card
To clear your balance you’d pay
The time it will take
Paying the balance in full each month means you pay no interest on what you've borrowed.
Results are a guide, assuming your minimum payment is 1% of your main balance (plus interest and default and maintenance fees). Your statement will show your minimum payment rate, which may vary. We assume no additional spend or fees and apply the same interest rate to every balance.
Here’s a few tips to help you pay less in interest and clear your balance sooner
By only making minimum payments, you'll pay more in interest, fees and charges on your Barclaycard than towards paying back what you've borrowed.
Learn more about fees and chargesThink about a fixed monthly payment based on what you can afford. This could really speed up how quickly you pay off your balance and reduce the amount you pay in interest.
If you can't afford more at the moment, you can always make additional one-off payments at any time.
If you haven’t already, set up a Direct Debit so you never miss a payment and get charged a fee. Missing a payment could also impact your credit score. Learn more about improving your credit rating with our
Credit Builder tool.To set up or change your payment method, log into your Barclaycard online servicing account or use the free Barclaycard app.
Change your Barclaycard paymentsFor more information on making your credit card work for you, read how
smart credit card payments could help clear your balance soonerHere’s a few tips to help you pay less in interest and clear your balance sooner
Even increasing your fixed payments by just a few pounds a month will make a difference to the amount of interest you’re charged, and you’ll pay it off sooner.
If you can’t afford more at the moment, you can always make additional one-off payments at any time.
The ultimate aim is to pay off the entire bill each month so that you won’t pay any interest at all.
If you haven’t already, set up a Direct Debit so you never miss a payment and get charged a fee. Missing a payment could also impact your credit score. Learn more about improving your credit rating with our
Credit Builder tool.To set up or change your payment method, log into your Barclaycard online servicing account or use the free Barclaycard app.
Change your Barclaycard PaymentsFor more information on making your credit card work for you, read how
smart credit card payments could help clear your balance soonerUnderstanding these numbers
Balance/Full balance - The amount you have left to pay off on your credit card this month.
Interest rate - This is the annual interest rate that is used to calculate your interest charges. On your credit card statement, it might also be referred to as a 'compound equivalent'.
Minimum payment - This is the minimum amount you have agreed to pay every month under the agreement, which you can find on your monthly statement. It can be calculated in different ways, for example, as a percentage of your full balance plus interest, default fees and maintenance fees. If you don’t pay your minimum payment or pay late you might be charged a fee. Paying more than the minimum will help you clear your balance sooner and save on interest charges.
Fixed amount - An amount chosen by you to pay each month, usually via a Direct Debit.
Perfect!
Repaying your balance in full each month helps you make the most of your credit card and avoid paying interest on what you've borrowed.
However, you will get charged interest if you make any Sterling (GBP) cash withdrawals.
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