Standard Variable Rate
↓ |
Purchase Interest Rate
↓ |
Balance Transfer Rate
↓ |
Cash-back Rate
↓ |
Cash Advance Rate
↓ |
| % APR |
% APR |
% |
% |
% |
| Period of Time |
Period of Time |
Period of Time |
| 11.9-17.9 % |
11.9-17.9 %
|
0
% |
n/a
% |
1.3-1.9
% |
| Permanent |
6 months |
6 months |
Promotional rate 0% APR on balance transfers for the life of the balance
if you spend £50 a month, or pay just 6.9% APR if you don't.
Barclaycard offer a classic Credit Card, gold Credit Card, platinum Credit
Card and student Credit Card. The main difference being the credit limit
(from £2500 for gold, £3500 for platinum and £600 for
student) . All cards offer (unless specified). Barclaycard offer of 0% on
balance transfers for the life of the balance is truly groundbreaking. There
are of course terms and conditions that apply. Firstly you have to spend
a minimum of £50 on the card each month. When you pay off any of the
balance, the balance transfer is paid off before the new purchases thus
you will accrue interest on your monthly spends. However, this is still
a card for the lifetime of the balance transfer. whatever terms are attached
to it. You will not find this deal anywhere else at the moment.. If you
think logically, they have to make some money somehow!! Besides the 0% offer,
there are many many perks on offer with the Barclaycard. Another bonus with
the Barclaycard Credit Card is that they have less stringent acceptance
criteria than many UK Credit Cards.
- No annual fee
- 0%
for the life of the balance transfer provided you spend £50 each
month on the card. If you do not, you will be charged 6.9% for the life
of the transfer.
- 2% cashback on purchases if you qualify for the 0% rate
- 1.314 - 1.873 %per month on cash advances
- Apr 11.9-17.9
% apr (typical rate is 17.9 % apr) - student card is 17.9 % apr
- Up to 8 weeks interest free if balance paid off in full.
- free 12 month extended warranty on household appliances
- Free internet delivery protection
- Online anti-fraud guarantee
- free additional cards
- Nectar points on purchases
- Interenational rescue
- Travel accident insurance if transport paid for with Barclaycard
- free purchase cover against theft or accidental damage on most goods
over £50
- Manage account online or through WAP phone
- Credit card cheque book
|
