Barclaycard

Barclaycard is the UK's oldest credit card company. The Barclaycard was the first credit card issued in the UK in 1966.

Many competitors have set up their own credit card operations since then, but Barclaycard has remained one of the largest card companies operating in the UK.

In part, it has done so by acquiring competitors' businesses. For example, it bought Egg's credit card arm from Citigroup in 2011, bringing over one million accounts into the fold.

Barclaycard offers a wide range of card products and is part of the Barclays banking group. 

Barclaycard
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Gold ribbon: first place

Credit cards

Ranked 11th of 31 providers reviewed.

Customer happiness 59.73%
Customer trust 54.23%
Complaints performance 63.27%
Transparency rating 72.46%
Fairer Finance score
Reviewed Spring 2022
62%

Business Credit Cards

Foreign Use Business Credit Cards

Barclaycard

Select Cashback Business Credit Card Mastercard

4 stars
Using card in Europe charge i 2.99%
Using card worldwide charge i 2.99%
Annual fee in first year i £0.00
Representative APR i 21.9%
Rewards i 1% cashback on all spending; additional 2% cashback on spending with EE and BT; free access to FreshBook accounting software; up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans.

Barclaycard

Premium Plus Credit Card Mastercard

2 stars
Using card in Europe charge i 0.99%
Using card worldwide charge i 0.99%
Annual fee in first year i £150.00
Representative APR i 49.4%
Rewards i 0.5% cashback, up to £400 per year; two airport lounge visits per year; AXA travel insurance for the cardholder; additional 2% cashback on spending with BT and EE; up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans.

Reward Business Credit Cards

Barclaycard

Select Cashback Business Credit Card Mastercard

4 stars
Rewards i 1% cashback on all spending; additional 2% cashback on spending with EE and BT; free access to FreshBook accounting software; up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans.
Annual Purchase Rate i 21.9%
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Representative APR i 21.9%
Annual cash withdrawal rate i 27.9%
Using card Europe charge i 2.99%
Using card worldwide charge i 2.99%

Barclaycard

Premium Plus Credit Card Mastercard

1 stars
Rewards i 0.5% cashback, up to £400 per year; two airport lounge visits per year; AXA travel insurance for the cardholder; additional 2% cashback on spending with BT and EE; up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans.
Annual Purchase Rate i 14.9%
Annual fee in first year i £150.00
Annual fee after first year i £150.00
Representative APR i 49.4%
Annual cash withdrawal rate i 27.9%
Using card Europe charge i 0.99%
Using card worldwide charge i 0.99%

Credit cards

0% balance transfer credit cards

Barclaycard

Up to 27 month balance transfer Platinum card

3 stars
Duration of 0% balance transfer offer period i 27 or 13 months
Balance transfer fee during promotional period i 1.28%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.28%
Representative balance transfer rate i 1.7325%
Risk based? i

Barclaycard

Up to 24 month balance transfer Platinum card

3 stars
Duration of 0% balance transfer offer period i 24 or 12 months
Balance transfer fee during promotional period i 0.9%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0.9%
Representative balance transfer rate i 1.7325%
Risk based? i

Barclaycard

Up to 15 month balance transfer Platinum card

3 stars
Duration of 0% balance transfer offer period i 15 or 7 months
Balance transfer fee during promotional period i 0%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.7325%
Risk based? i

Barclaycard

Up to 22 month balance transfer and up to 24 month purchases Platinum card

2 stars
Duration of 0% balance transfer offer period i 22 or 11 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.7325%
Risk based? i

Barclaycard

Up to 30 month balance transfer Platinum card

2 stars
Duration of 0% balance transfer offer period i 30 or 15 months
Balance transfer fee during promotional period i 2.98%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.98%
Representative balance transfer rate i 1.7325%
Risk based? i

Barclaycard

Up to 22 month balance transfer and up to 24 month purchases Platinum card

2 stars
Duration of 0% balance transfer offer period i 22 or 11 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.7325%
Risk based? i

0% purchase credit cards

Barclaycard

Up to 22 month balance transfer and up to 24 month purchases Platinum card

4 stars
Duration of purchases offer period i 24 or 12 months
Representative APR i 22.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.7325%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Barclaycard

Up to 24 month balance transfer Platinum card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 22.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.7325%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Barclaycard

Up to 15 month balance transfer Platinum card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 22.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.7325%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Barclaycard

Forward credit card

2 stars
Duration of purchases offer period i 3 months
Representative APR i 33.9%
Highest APR i 33.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 2.4616%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

Barclaycard

Avios

4 stars
Reward extras i Savings on live events with Barclaycard Entertainment; up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free; up to 15% cashback with participating retailers, spend £20,000 in 12 months and get British Airways cabin upgrade voucher
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Barclaycard

Avios Plus

4 stars
Reward extras i Savings on live events with Barclaycard Entertainment; up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free; up to 15% cashback with participating retailers, spend £10,000 in 12 months and get British Airways cabin upgrade voucher
Representative APR i 72.4%
Risk based? i
Annual fee in first year i £240.00
Annual fee after first year i £240.00
Foreign purchase fee i 2.99%

Barclaycard

Barclaycard Rewards

2 stars
Reward extras i Savings on live events with Barclaycard Entertainment; up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free; up to 15% cashback with participating retailers
Representative APR i 23.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 0%

Credit builder credit cards

Barclaycard

Forward credit card

4 stars
Representative APR i 33.9%
Representative cash transaction interest rate i 2.4616%
Representative purchase rate i 2.4616%
Risk based? i
Initial minimum credit limit i £50.00
Representative balance transfer rate i 2.4616%

Foreign use credit cards

Barclaycard

Barclaycard Rewards

4 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 0%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.801%

Barclaycard

Avios

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.801%

Barclaycard

Avios Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 72.4%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.801%

Barclaycard

Up to 27 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.7325%

Barclaycard

Up to 24 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.7325%

Barclaycard

Up to 15 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.7325%

Barclaycard

Up to 22 month balance transfer and up to 24 month purchases Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.7325%

Barclaycard

Up to 30 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.7325%

Barclaycard

Up to 22 month balance transfer and up to 24 month purchases Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.7325%

Barclaycard

Forward credit card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 33.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 2.4616%