Rating based on 43 reviews



  • Interest free offers
  • Cash back on spending
  • Low-interest starting from 18.9%

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Barclays homepage

Author Barclays. Screenshot of Barclays website. [Accessed September 5, 2019]

About Barclays

Barclays bank is an established financial institute with 200 years of practice and experience in serving people.

The bank traces its ancestry roots back to two goldsmiths doing business in Lombard Street, London in 1960. We move, lend, invest and protect the money of our customers worldwide.

We endured the test of time

Built over two centuries ago, Barclays has endured the test of time against a backdrop of multiple financial crises, international and industrial conflicts as well as the revolution of technology. Our longevity is an extraordinary achievement and we strive to uphold this legacy.

When you grow we grow

We strive to create opportunities to grow, as such, we are opportunity makers working together to help people grow their customers, clients, colleagues and society. By creating opportunities for others to grow, we recognise that Barclays grows too. We measure and reward our people, not only for commercial results but also on how they live out our company values and bring them to life every day. A credit card can also help you mend your bad credit score.

Barclays Services

We offer cashback on your every spending and no non-sterling transaction fees.

This includes 0.25% cashback on all your purchases until 31 August 2023 In addition, no fees abroad, in other words, you won't need to pay fees on non-sterling purchases and cash withdrawals until 31 August 2023

Our APR rates

  • Representative APR 21.9% APR (variable)
  • Purchase rate 21.9% p.a. (variable)
  • Reputed credit limit £1,200
  • No annual fee

Initial credit card

This credit card is ideal for first time user and individuals with limited credit history. We offer £150-£1,200 subject your credit status, a 0% interest on purchases for the first three months Representative example, representative 34.9% APR (variable), purchase rate 34.9% p.a. (variable), expected credit limit £1,200, no annual charges.

Barclays Product Details

  • Loan Type Credit cards
  • Interest Rate from 18.9%

Summary of Services

  • Easy online application
  • Flexibility on transfers
  • No fees abroad

We have a wide range of credit cards to suit every individual's needs

To apply for a credit card with us, we ask that you meet our eligibility requirements.

You can do this by using our free eligibility checker before you apply for a credit card with us, our eligibility checker will simply inform you whether you’re likely to be accepted for a credit card or not. It's quick to apply for a credit card, simply fill out the online application.

29-month balance transfer

With this, we give you a lower fee and a bit less time to pay off your balance. It works is with 0% interest for 29-month on balance transfers. The transfers must be made within 60 days in order to benefit from a 0% offer but you get a 1.99% balance transfer fee. Other benefits include:

  • Representative 19.9% APR (variable)
  • Spending rate p.a.19.9% (variable)
  • Presumed credit limit £1,200
  • No annual charges

18-month balance transfer (platinum card)

This credit card is perfect if you’ve established average credit history and you’re now ready for a balance transfer. We offer 0% interest for 18 months on balance transfers from the onset of opening your account, in addition, a 2.99% fee applies. Other benefits include:

  • Representative APR 24.9% (variable)
  • Spending rate of 24.9% p.a.(variable)
  • Expected credit limit £1,200
  • No annual fee

We are responsible

As a responsible financial institute, we are authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FCA). In addition, we adhere to The Standards of Lending Practice which are monitored and enforced by the Lending Standing Board UK.

Do you need extra credit?

A credit card is a flexible solution to borrow money. With the right credit card, you could take back control of your finances by spreading out the costs of things you love to buy or simply buy the thing you like now, while at the same time, you can earn rewards on your everyday spending.

Generally, you are charged interest on what you borrow, however, unless you clear your balance each month or you have an interest-free offer. We also have a wide range of loans you can apply for including personal loans, mortgages and business loans.

Customer Reviews & Testimonials

January 2019

Thank you Barclays I was able to build my credit status and credit score went up with your credit card

Taylor R
— Plymouth —

January 2019

As a platinum member, Barclays charged me 0% interest on purchase up to 27 months

Mathew S
— Southampton —

Barclays Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:00
  • Tuesday 09:00 – 16:00
  • Wednesday 10:00 – 16:00
  • Thursday 09:00 – 16:00
  • Friday 09:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed