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 8th of 34 providers reviewed.

Customer happiness score 60.81%
Customer trust score 55.24%
Complaints performance 64.35%
Transparency rating 74.56%
Fairer Finance score
Reviewed Autumn 2023
64%

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 27.5%
Rewards i 2% cashback on all spending, uncapped for three months (offer ends 2nd April 2024) ; 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 56.8%
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 all spend with EE and BT (offer ends 29th September 2023); up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans. Save 2% on Fx fees.

Reward Business Credit Cards

Barclaycard

Select Cashback Business Credit Card Mastercard

4 stars
Rewards i 2% cashback on all spending, uncapped for three months (offer ends 2nd April 2024) ; 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 27.5%
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Representative APR i 27.5%
Annual cash withdrawal rate i 33.7%
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 all spend with EE and BT (offer ends 29th September 2023); up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans. Save 2% on Fx fees.
Annual Purchase Rate i 20.2%
Annual fee in first year i £150.00
Annual fee after first year i £150.00
Representative APR i 56.8%
Annual cash withdrawal rate i 33.7%
Using card Europe charge i 0.99%
Using card worldwide charge i 0.99%

Credit cards

0% balance transfer credit cards

Barclaycard

Up to 20 month balance transfer Platinum card

2 stars
Duration of 0% balance transfer offer period i 20 months
Balance transfer fee during promotional period i 1.99%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.99%
Representative balance transfer rate i 1.87%
Risk based? i

Barclaycard

Up to 12 month balance transfer Platinum card

2 stars
Duration of 0% balance transfer offer period i 12 months
Balance transfer fee during promotional period i 0%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.87%
Risk based? i

Barclaycard

Up to 28 month balance transfer Platinum card

2 stars
Duration of 0% balance transfer offer period i 28 months
Balance transfer fee during promotional period i 3.45%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.45%
Representative balance transfer rate i 1.87%
Risk based? i

Barclaycard

Up to 20 month balance transfer and up to 21 month for purchases

1 stars
Duration of 0% balance transfer offer period i 20 or 10 months
Balance transfer fee during promotional period i 3.45%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.45%
Representative balance transfer rate i 1.87%
Risk based? i

0% purchase credit cards

Barclaycard

Up to 20 month balance transfer and up to 21 month for purchases

4 stars
Duration of purchases offer period i 21 or 10 months
Representative APR i 24.9%
Highest APR i 31.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.87%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Barclaycard

Up to 12 month balance transfer Platinum card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 24.9%
Highest APR i 31.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.87%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Barclaycard

Forward credit card

1 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 TV+, Apple Music, Apple Fitness+, Apple News+ and Apple Arcade for free; up to 15% cashback with participating retailers.
Representative APR i 29.9%
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 TV+, Apple Music, Apple Fitness+, 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. Airport lounge membership in partnership with Assurant and Dragonpass, or 7000 Avios points.
Representative APR i 80.1%
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

4 stars
Reward extras i Savings on live events with Barclaycard Entertainment; up to five months of Apple TV+, Apple Music, Apple Fitness+, Apple News+ and Apple Arcade for free; up to 15% cashback with participating retailers
Representative APR i 28.9%
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
Statement Due Date Change Fee i £0.00
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 28.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 2.1375%

Barclaycard

Avios

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 29.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 2.2025%

Barclaycard

Avios Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 80.1%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 2.2025%

Barclaycard

Up to 20 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.87%

Barclaycard

Up to 28 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.87%

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%

Barclaycard

Up to 12 month balance transfer Platinum card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.87%

Barclaycard

Up to 20 month balance transfer and up to 21 month for purchases

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 56 days
Risk based? i
Representative purchase rate i 1.87%