In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
  • Your reviews

Barclaycard Platinum all-rounder Visa review

  • Chris Lilly's headshot
Barclaycard Platinum all-rounder Visa
4.2
★★★★★
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
0% interest on balance transfers
21 months
0% interest on purchases
21 months
Account fee
£0

Our verdict

Cut interest payments on existing card debt and spread the cost of upcoming expenditure with this 0% purchase and balance transfer Barclaycard.

We chose the Barclaycard Platinum all-rounder Visa as our best credit card for 0% purchases because it has the longest interest-free purchase period of any UK credit card with no annual or monthly fee.

This Barclaycard is something of a jack of all trades with 0% periods on both purchases and balance transfers, a couple of perks, and no annual fees.

For those with existing card debt, the 0% period for balance transfers will appeal, and for those anticipating a large upcoming expenditure, the 0% period on purchases will appeal. If both apply to you, no problem.

The downside, apart from the balance transfer fee and the fact that there are definitely longer 0% balance transfer periods available on the market, is that not all customers will be eligible for the full advertised interest-free purchase period: depending on your circumstances, once you apply you may be offered a shorter interest-free period instead. It’s up to you whether to take that risk, or opt for a card with a shorter guaranteed interest-free period on purchases.

Like most card issuers now, Barclaycard provides an online eligibility checker which can give you a good idea of your chances of getting approved for the card before you apply. Being a "soft" search won't affect your credit score (while submitting a full application can), so it's worth doing.

Pros

  • No annual fee
  • Over a year to spread the cost of purchases
  • Over a year of 0% interest to reduce existing card debt
  • Customers report excellent customer service when dealing with Barclaycard

Cons

  • Minimum annual income requirement of £20,000
  • Applicants with low credit scores are unlikely to be eligible
  • Don't forget that balance transfer fee! If cutting the interest on existing card debt is your main reason for considering this card, check out no-fee deals first
  • You may be offered an opening credit limit as low as £50

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
  • Your reviews

Details

Product Overview

Issuer Barclaycard
Network Visa
Representative APR 24.9%
Annual/monthly fees £0
Balance transfers 0% for 21 months reverting to 24.9%
Balance transfer fee 3.45%
Purchases 0% for 21 months reverting to 24.9%
Purchases interest-free period Up to 56 days
Cash advances 24.9%
Minimum credit limit £50
Maximum credit limit Subject to status
Additional cards available 4
Incentive
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Additional Rewards Info Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues.
Potential costs 4.5 ★★★★★
Doing its job 4.3 ★★★★★
Extras 5.0 ★★★★★
Overall Finder Score 4.2 ★★★★★

Fees and charges

Minimum monthly payment 1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.
Annual/monthly fees £0
Balance transfer fee 3.45%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 2.99% (min. £2.99)
Late payment fee £12
Replacement card fee £0
Duplicate statement fee £0
Exceeding limit fee £0
Additional card fee £0
Dormancy fee £0

Application Requirements

Minimum Age 21
Minimum income £20,000
Availability Available to new customers

How does it compare?

Barclaycard's card

1 - 1 of 1
Name Product UKCCF Finder Score Balance transfers Money transfers Purchases Annual/monthly fees Link Incentive Representative example
Barclaycard Platinum all-rounder Visa
4.2
★★★★★
0% for 21 months
(3.45% fee)
N/A
0% for 21 months reverting to 24.9%
£0
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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Other popular matched 0% deals

Table: sorted by length of 0% offer
1 - 6 of 6
Name Product UKCCF Finder Score Balance transfers Money transfers Purchases Annual/monthly fees Link Incentive Representative example
MBNA 0% Transfer and Purchase Credit Card
4.0
★★★★★
0% for 21 months
(3.49% fee)
0% for 12 months
(4% fee)
0% for 21 months reverting to 24.94%
£0
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).
Barclaycard Platinum all-rounder Visa
4.2
★★★★★
0% for 21 months
(3.45% fee)
N/A
0% for 21 months reverting to 24.9%
£0
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
3.7
★★★★★
0% for 19 months
(2.99% fee)
26.9%
(3% fee)
0% for 19 months reverting to 24.9%
£0
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
3.7
★★★★★
0% for 19 months
(2.99% fee)
26.9%
(3% fee)
0% for 19 months reverting to 24.9%
£0
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
NatWest Purchase & Balance Transfer Credit Card
3.7
★★★★★
0% for 19 months
(2.99% fee)
26.9%
(3% fee)
0% for 19 months reverting to 24.9%
£0
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Santander World Elite Mastercard
4.4
★★★★★
0% for 18 months
(0% fee)
N/A
0% for 18 months reverting to 18.9%
£15 per month
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
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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.

Repayment options

You can make manual repayments through Barclaycard's app by logging in to your online banking or over the phone (0800 151 0900). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, it’s a smart idea to quickly use the “eligibility checker”, which can give you a good idea of your chances of approval before you apply. Crucially, because it uses a “soft” credit search, this tool won’t affect your credit score.

Frequently asked questions

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.

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