Barclaycard Breathe Credit Card

Breathe easy knowing you've taken action

It’s one thing to talk about climate change. Transfer to us and you’ll know you’ve done something positive about it.

Barclaycard Breathe is the only credit card in the UK that funds projects that tackle climate change. The idea is, you help the environment just by spending as you would normally. We donate 0.5% of your spend on the card to Pure, the Clean Planet Trust (Registered Charity No. 1112249), to fund government approved environmental projects. Find out more about our projects.

Put an end to paper statements. For your increased convenience Barclaycard Breathe is designed to be managed online.

Barclaycard Freedom

With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.

Please see important information and terms and conditions

Contactless payments

Barclaycard Flexi-Rate^® includes contactless payment technology, a new, quick and easy way to pay for purchases of £ 15 or under – Find out more

Contactless mobile payments

Contactless payments with Quick Tap from Orange is the new way to pay with just a tap of your phone - Find out more

You will:

• Receive statements online (no paper statements and packaging)
• Have access to a dedicated website which keeps you up to date with our environmental projects, and offers you ways to save money with our latest offers and discounts
• Receive marketing literature online
• Use a card made with a material more environmentally friendly than a traditional PVC card

Learn more about this card

Barclaycard Breathe includes:

• Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
• Identity Protection Service - advice about protecting yourself from identity theft
• Safer shopping with Fraud Monitoring including Chip and PIN and monitoring your account for unusual spending
• Purchase Delivery Protection peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
• Worldwide Assistance - emergency help when travelling abroad
• Travel Service- pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
• Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
• Emergency Card Replacement and Cash Advance - replacement card and cash advances if your Barclaycard goes missing
• 24 hour Customer Service Assistance

Important information

As a Barclaycard customer you can pay your bill online or over the telephone, by direct debit, or send a cheque through the post. Further information of these quick and easy payment methods will be shown on your statement.

Barclaycard reserves the right to withdraw this offer at any time.

This offer is only available to new customers.

Terms and Conditions apply. Barclaycard is subject to application and status.

You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.

The following is a guide to call charges from landlines within the UK: Call charges info.

Think about our Breathe Credit Card if you:

• Want to contribute to tackling climate change
• Don't want to receive paper statements
• Have an average credit history
• You have no history of bankruptcy
• You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
• You have a limited history of managing credit commitments well i.e. have existing credit cards, loans, overdraft or mortgage, but have no more than 2 credit commitments
• Your record of paying credit commitments on time is less than 4 years old
• You have not missed ANY payments on a credit card or loan in the last 12 months
• Don't already have a Barclaycard
• Have had a permanent UK address for 3 months or more
• Have a regular income of more than £15,000 pa
• Excluding a mortgage, your debt on credit cards or store cards is less than 40% of your income
• Are aged 21 or over

It's good to know the plain facts about this Barclaycard. This Summary Box gives you clear information about the key features of the card and does not replace any terms and conditions.

Interest rates	Introductory rates	Monthly interest rate	Annual interest rate
Purchases	5.9% purchase rate on public transport (excludes Transport for London)	1.313%	16.9%
Cash withdrawals	n/a	2.075%	27.9%
Balance transfers	0% for 10 months from account opening with a 3% handling fee applies on transfers made within 60 days of account opening on amounts up to £5000	1.313%	16.9%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£150.69	£131.43	£93.63
How much interest will be charged in the second year?	£133.56	£52.96	-
How long would it take to clear the balance?	18 years 5 months	2 years 2 months	1 year 1 month

Balance transfer terms and conditions

1. The amount transferred must not exceed 80% or £5000 of the available credit on your account. If your credit limit is not enough to cover the balance transfer amount in full, we will ask you to confirm whether you would like to transfer a lower amount.
2. We reserve the right to refuse a credit card balance transfer or to limit the amount that you can transfer. We may need to ask you to provide further information before confirming your balance transfer.
3. A handling fee will apply to each balance transfer that you make. Please refer to the summary box or your Barclaycard Terms and Conditions for details.
4. We cannot accept transfers to other credit card or loan accounts held with Barclays Bank PLC or any other Barclays group company.
5. If you choose to close your account with other lenders, please let them know in writing.
6. You should continue to make payments to your other lenders until is has been confirmed that the balance has been transferred.
7. If you do not make at least the minimum payment by the payment due date, or you exceed your credit limit at any time we will remove any promotional rate on your balance transfer and charge your interest at your standard rate instead.
8. If you make your balance transfer request during your application for a new Barclaycard, then you will commit to making your balance transfer when you sign up to your agreement.
9. You have up to 60 days from the date of your application to transfer your balance.
10. For your protection and to help prevent fraud, your balance transfer will be subject to a delay of up to 10 days to enable us to complete additional checks.