Barclaycard Platinum 30 Month Balance Transfer
Which? customer score 66%
|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.
Reward scheme details
£20 cashback when you transfer a balance of £1000 or more within 60 days of opening your account. Offer ends 14 May 2018. T&Cs apply 0% interest for 30 months on balance transfers from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer. 0.55% balance transfer fee (terms apply). Barclaycard PayTag enabled - Use your mobile phone for contactless payments. Contactless payment for items up to £30. Instant online decision available.
- Representative Example
- Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 0.55% by a refund. Refunds will be made within 28 days. (Terms and conditions apply).
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||Not provided|
|Opening account is by invitation only||No|
|Account is for existing customers only||No|
|Further notes about eligibility||To take this card you: Must be aged 18 or over Must not have had any Individual Voluntary Arrangements, County Court Judgements and must not have been declared bankrupt in the past six years Must have had at least four years experience of managing credit Must have had a permanent UK address for at least three months Must have less than 10% debt on credit or store cards (excluding a mortgage)|
|Minimum age to open an account||18|
|Rate period||30 months|
|Limit period days||60|
|Rate period||6 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||No|
|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.