Barclaycard Platinum credit card

0% interest balance transfer for up to 21 months and up to 18 months for purchases. 3.45% transfer fee applies.

Your Barclaycard Platinum at a glance

0% interest on balance transfers for up to 21 months from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer. 3.45% transfer fee on each balance transfer made. You can read the terms and conditions for this offer in the information section below
0% interest on purchases for up to 18 months from the date you open your account

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?

Summary of rates Terms and conditions [PDF, 245KB]

Representative example

Representative 24.9% (variable)

Purchase rate p.a. 24.9% (variable)

Based on credit limit of £1,200

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Check if you’re eligible first

Applying for more than one credit card in a short space of time could affect your credit score.

Use our free eligibility checker before applying to find out whether you’re likely to be accepted for a card. It only takes a few minutes and it won’t affect your credit score.

You might be eligible for some of our other credit card offers. Check your eligibility for our other cards to make sure you’re getting the best offer for you.

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Important information

At least eight out of 10 people accepted for this card last month received the longest promotional period available. Whether you do will depend on your credit history and how you’ve managed credit in the past.

We may offer you

0% for up to 21 months on balance transfers and 18 months for purchases with 31.9% APR variable

0% for up to 10 months on balance transfers and 9 months for purchases with 31.9% APR variable

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

The 21-month balance transfer period starts from the date the account is opened. That means if, for example, you don’t use it in the first 60 days, you’ll have two months less of the 0% rate.
Please read the information below carefully, before you apply.

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, you’ll need to use it within 60 days of opening the account.

The 21-month balance transfer period starts from the date the account is opened. That means if, for example, you don’t use it in the first 60 days, you’ll have two months less of the 0% rate.

This offer is only available if this is your first credit card with us, and we reserve the right to withdraw it 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.

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.
Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes won’t apply to your promotional interest rates. More information is available on our understanding interest page.

Your new account will be set up with digital statements, which can be found in Online Banking – you’ll need to register for this. You can choose to switch to paper statements at any time.

This offer is only available if this is your first credit card with us, and we reserve the right to withdraw it at any time.