0% balance transfers for 22 months (2.9% fee)
0% purchases for 3 months
Purchase and fraud securities
Savings on shopping and travel
Barclaycard Platinum with Extended Balance Transfer credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Want some time out from paying interest on your balance transfer
- Have a good credit rating
- Have no history of bankruptcy
- Have no CCJ's or IVAs in the past 5 years
- Please check the full criteria before applying.
| Representative Example: 17.9% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. Barclays Bank, 1 Churchill Place, London, E14 5HP |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 0% for 3 months 17.9% p.a. variable thereafter |
0% for 22 months 17.9% p.a. variable thereafter 2.9% transfer fee Must be transferred within 60 days |
Barclaycard Freedom Thomas Cook Discounts Barclaycard Unwind |
Online Account Management Fraud Guarantee Active Fraud Monitoring Identity Protection Service Verified by Visa OneTouch Payments Purchase Delivery Insurance |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
This Barclaycard Platinum with Balance Transfer credit card offers the market's longest 0% balance transfer deal - 22 months.
The offer is available on transfers up to 90% of the available credit limit.
The balance transfer fee is 2.9%.
0% on purchases
The Barclaycard Platinum credit card also offers 0% interest rates on purchases for the first 3 months after account opening.
Platinum cardholder services
With such a broad range of cardholder services, Barclaycards are some of the best cards to carry with on-going benefits and features for customers.
The Barclaycard Platinum with Balance Transfer credit card offers many additional services including free purchase delivery insurance and a fraud guarantee.
Book through the Barclaycard Travel Service with Thomas Cook with the Barclaycard Platinum credit card and get 7% or more discounts with Thomas Cook and over 150 tour operators.
There's also worldwide assistance abroad and an emergency card replacement and cash advance service if the Barclaycard Platinum credit card is lost in the UK or abroad.
Barclaycard Freedom
This Barclaycard Platinum comes with Barclaycard's new reward scheme - Barclaycard Freedom.
Freedom works by rewarding cardholders with up to 1% in Reward Money whenever they shop with participating retailers. It can then be spent towards the cost of future purchases back with those same participating retailers.
Participating retailers include: Shell, Pizza Express, Yo! Sushi, LA Fitness, npower and many more.
However, note that not all retailers are "earn and spend" participants - some retailers only allow cardholders to earn reward money, such as Shell and npower.
In Summary
The Barclaycard Platinum with Balance Transfer credit card offers a useful balance transfer tool for managing any existing credit card balances - offering potential savings for 22 months.
And, when the 0% period ends, cardholders won't be left with an entirely useless piece of plastic; Barclaycard offers a realm of on-going services and benefits.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Want some time out from paying interest on your balance transfer - Have a good credit rating - Have no history of bankruptcy - Have no CCJ's or IVAs in the past 5 years - Have at least 4 years history of managing credit well - You have always made payments on time - Don't already have a Barclaycard - Have a permanent UK address for 3 months or more - Have a regular income - Earn at least £20,000 per annum - Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income - Aged 21 or over |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 17.9% APR | Based on a £1,200 credit limit. |
| Introductory Purchases | 0% for 3 months | - |
| Introductory Balance Transfers | 0% for 22 months | Must be transferred within 60 days of account opening to qualify. The amount transferred cannot exceed 90% of your available credit limit. |
| Standard Purchases | 17.9% p.a. variable | - |
| Standard Balance Transfers | 17.9% p.a. variable | - |
| Standard Cash Advances | 27.9% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 2.9% | - |
| Cash Advance fee | 2.5% (£2.5 min) | - |
| Foreign fee | 2.75% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £250 min | Maximum credit limit is subject to status. |
| Interest free period | Up to 56 days | Maximum 56 days from date of transaction for purchases if you pay your balance in full and on time each month. No interest free period on cash advances or balance transfers (this is subject to any interest free promotional offer). |
| Minimum monthly payment | 2.25% (£5 min) | The minimum monthly payment will be the greater of: - 2.25% of the amount owed on the monthly statement; - £5 (or the entire amount if less than £5); - any interest, account fees and default charges that have been added to the account since the last statement plus 1% of the remaining balance. |
| Allocation of payments | If you do not pay the total outstanding balance in full by the payment due date, the issuer will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances. | - |
Rewards and discounts
| Detail | |
|---|---|
| Barclaycard Freedom | Earn up to 1% in Reward Money on all your purchases with participating retailers. Reward Money can be redeemed towards future purchases at the checkout of any participating retailer. Barclaycard Freedom participating retailers include: - Shell: 0.5% (Earn only, no redemption) - Yo! Sushi - Pizza Express - npower (earn only) - LA fitness - and many others. |
| Thomas Cook Discounts | Book your holiday through the Barclaycard Travel Service and get a discount of 7% or more with Thomas Cook and over 150 tour operators. Thomas Cook will also waive their standard 2.25% credit card booking fee for Barclaycard cardholders. |
| Barclaycard Unwind | Exclusive access to entertainment tickets, must-see gigs and one-off live sessions with Barclaycard Unwind. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
You can log in to the Barclaycard web site and manage your Barclaycard Platinum credit card account online. An optional free text alert service offers a text message to your mobile 5 days before your Barclaycard payment is due. |
| Fraud Guarantee | |
You won't be held liable for fraudulent use of your Barclaycard as long as you notify Barclaycard as soon as you become aware of it or notice anything suspicious on your account. |
| Fraud Monitoring | |
Barclaycard will look out for any unusual activity on your account and contact you to make sure it's not fraudulent. |
| Identity Protection | |
Identity Protection Service Barclaycard provide a confidential helpline if you think you may be a victim of Identity theft or if you just want advice on how to avoid it happening. |
| Credit Report Access |  |
- |
| 3D Secure | |
Verified by Visa An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. |
| OneTouch Payments | |
Visa payWave Visa payWave A contactless payment technology that allows you to pay for purchases costing £15 or under with just a 'touch' of the credit card at participating retailers (mainly around London travel services). |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
Covers brand new goods bought with your Barclaycard Platinum credit card if they don't arrive or are delivered damage and you are unable to resolve the issue with the supplier. Covers goods bought online, over the telephone and in the high street if goods are delivered. |
| Comprehensive Travel Insurance | |
Free single trip travel insurance when you book via Barclaycard Travel Service Single trip travel insurance for you and up to 5 friends or family travelling with you for trips between 2 days and 3 weeks, that don't include extreme sports. Trips must be booked through the Barclaycard Travel Service and paid with the Barclaycard credit card. Exclusions apply (age up to 65 years and no pre-existing medical conditions), although a discount of £35 may be offered to those who don't qualify for the free insurance policy. Read the full details before relying on it. |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
Worldwide Assistance Free help if anything goes wrong while you're abroad. Barclaycard can help you in the case that anything goes wrong whilst you are abroad. They can provide legal assistance, medical emergency help, arrange flights and transport to get you home as quickly as possible, interpretation, send a message home, and help with lost or stolen documents. |
| Emergency Card Replacement | |
Barclaycard will get you an emergency card replacement if yours is lost or stolen anywhere in the world. Barclaycard can also arrange an emergency cash advance of up to £1,000 a week (subject to available funds on your account), and they'll even refund the cash handling fee. |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
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