Barclaycard Freedom Rewards Credit Card
Which? customer score 64%
|Representative APR (variable)||Purchase interest p.a.||Cash withdrawal APR||Annual card fee|
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
- This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Reward scheme details
Earn 1 Freedom point on everything home and abroad per £1 spent (non sterling transaction fee of 2.99% applies to foreign currency transactions). Earn 2 Freedom points at all UK supermarkets, petrol stations and on Transport for London spend. Earn 3 Freedom points at selected Freedom partners and when shopping online at over 60 top brands through the Freedom Rewards store (terms and conditions apply). Receive 7,000 bonus Freedom points worth £20 when you spend at least £500 or make a balance transfer of at least £500 within 60 days of opening your account. You’ll also have to make your minimum payments on time and not go over your credit limit. Terms apply.
- Representative Example
- Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. A fee of 2.9% will be applied to your account at first, but you'll only pay 0.15% as Barclaycard will refund the difference.
Barclaycard customer satisfaction scorecard:How do we work this out?
|Keeping you up to date with new deals||Transparency of charges / penalties||Online account management||Customer service||Overall customer score|
|Can be used for building credit rating||No|
|Minimum income required to open account||£20,000|
|Opening account is by invitation only||No|
|Account is for existing customers only||No|
|Further notes about eligibility||N/A|
|Minimum age to open an account||18|
|Rate period||12 months|
|Limit period days||60|
|Rate period||12 months|
|Maximum interest free days (purchases)||56|
|Days to pay||25|
|Monthly payment min %||2.25%|
|Monthly payment min £||£5|
|Returned payment fee||£12|
|If you exceed credit limit||£12|
|Foreign usage fee (Europe)||2.99%|
|Foreign usage fee (worldwide)||2.99%|
|Charges for cash withdrawals||Yes|
|Cash withdrawal percent||2.99%|
|Reward is charity donation||No|
|Reward is cash back||No|
|Reward is Airmiles||No|
|Reward is points||Yes|
|Reward is vouchers||No|
|Reward is travel||No|
|Reward is Avios||No|
|Reward is discount||No|
If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.