One of the biggest hitters in the balance transfer game, Barclaycard offers an impressive selection of transfer deals for new and existing customers, especially compared to other credit card companies.
Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.
How do Barclaycard balance transfers work?
If you’ve found a deal that you like, use Barclaycard’s “Check your eligibility” service to find out if you’re likely to be approved. This process involves a “soft search” of your credit file, so it won’t affect your credit rating. If Barclaycard can’t offer you the card you’ve selected, it may suggest a different balance transfer card that it can.
Next, you can apply using the straightforward online application form. Along with all the usual information, you’ll need to provide your address history for the past two years as well as details of your income and your main bank account.
During the application, you’ll be able to give details of the balance(s) you’d like to transfer. Bear in mind that there may be a specified window (typically 60 days) in which you must transfer a balance in order to take advantage of the 0% offer, so it’s worth providing these details as soon as possible.
While you’re paying off the balance you’ve transferred, you’ll still be able to enjoy up to 56 days interest free on new purchases, provided you pay off your main balance in full and on time each month.
Unfortunately, you can’t transfer a balance from another Barclaycard or from any card that’s issued by the Barclays Group. So, if you’re an existing customer and you’re looking for a balance transfer, you may wish to compare deals from the whole market here.
How long does a Barclaycard balance transfer take?
Following your application, you can receive your Barclaycard in as little as five working days. You should activate it straight away. From that point, Barclaycard gets a little vague, stating that “Once your balance transfer request has been processed, payment will be received by your bank or card issuer by the end of the next working day.” Bear in mind that requests won’t be processed outside of business hours.
How should I compare Barclaycard balance transfers?
Here are some of the key features you’ll want to look at when deciding which Barclaycard balance transfer offer might be the best option for you:
Length of 0% period. Divide your balance by the number of months in the 0% deal to see how much you’d need to pay each month to clear your debt before the promotion expires. If you think you could clear the balance in even less time, then you might want to look at shorter deals with lower balance transfer fees.
Balance transfer fee. This will be a percentage of the balance that you plan on transferring, so for larger balances, it becomes more significant.
Purchase rate. This is the rate that’ll apply to any purchases you make on the card, and it’s also usually the rate that’ll apply if you haven’t cleared your balance by the end of the 0% period.
Barclaycard customer reviews
In our 2023 customer satisfaction survey, Barclaycard scored 4.5 out of 5 stars, with 83% of customers saying they’d recommend the brand to a friend.
Customers praised Barclaycard’s rewards and overall service. Many customers also commented positively on Barclaycard’s customer service, although some customers experienced long response times and felt some aspects of customer service could be improved. However, overall responses were mostly positive. One commented: “Easy to access your account online anywhere. Flexible in opening up multiple savings accounts. Easy to contact if you need help with your account. Flexible in the limits you can put in for your spending”.
Contact Barclaycard customer support
Live chat support
Live chat support offered through the Barclaycard app
Telephone support
Call 0800 151 0900 Mon-Fri from 8am to 8pm, and on Saturdays from 9am to 5pm.
Closing your account
To close your account, start a ‘chat’ using the Barclaycard app. Or, you can call customer services for support.
Order replacement card
You can request an emergency replacement card either through the app or you can ring 0800 161 5308 and press option 1.
Report card lost or stolen
You can report a lost or stolen card either through the app or you can ring 0800 161 5308 and press option 1.
Other frequently asked questions
You can transfer up to 90% of your available credit limit. This doesn’t include any transfer fee (in other words, if that pushes it slightly over 90%, that’s OK). Credit limits are tailored to the individual and are based on Barclaycard’s assessment of your financial circumstances. The minimum you can transfer is £100.
No, you can’t transfer a balance from another Barclaycard or from any card that’s issued by the Barclays Group.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio
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Barclaycard’s 0% interest deal for purchases and balance transfers compared against competing cards.
2 Responses
SagarikaSeptember 6, 2019
I paid off all my balance transfer 2 weeks ago and how long do I have to wait for another interest free offer? Thanks
Finder
nikkiangcoSeptember 7, 2019Finder
Hi Sagarika,
Thanks for getting in touch! Given that all balance transfers are paid, you can apply for another one for as long as your contract has fully ended. Contact your bank to see how you can start up another balance transfer program with them.
Hope this helps!
Best,
Nikki
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I paid off all my balance transfer 2 weeks ago and how long do I have to wait for another interest free offer? Thanks
Hi Sagarika,
Thanks for getting in touch! Given that all balance transfers are paid, you can apply for another one for as long as your contract has fully ended. Contact your bank to see how you can start up another balance transfer program with them.
Hope this helps!
Best,
Nikki