Your Barclaycard Account
Barclaycard Gold Credit Card
- 0% interest on balance transfers until September 2012 from account opening (2.5% handling fee applies)
- A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
- With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under.
Choose this card and we'll give you 0% interest on balance transfers until September 2012 from account opening with a 2.5% handling fee.
By managing your Barclaycard Gold and other accounts responsibly (for example by paying your mobile phone and utility bills on time), you could help strengthen your Credit Rating. For more information on how to improve your credit rating click here.
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 Gold 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
What Barclaycard Gold 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.
Terms and Conditions apply. Barclaycard is subject to application and status.
This offer is only available to new customers.
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 Gold Credit Card if you:
- Need to strengthen your credit rating and want some time out from paying interest on your balance transfer
- Have an average credit rating
- 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 £17,500 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.
APR
Representative 19.9% APR (variable)
| Interest rates | Introductory rates | Monthly interest rate | Annual interest rate |
|---|---|---|---|
| Purchases | N/a | 1.527% | 19.9% |
| Cash withdrawals | N/a | 2.075% | 27.9% |
| Balance transfers | 0% until September 2012 with a 2.5% fee on transfers made within 60 days of account opening on amounts up to £5,000 | 1.527% | 19.9% |
Interest free period
Maximum 56 days from date of transaction for purchases if you pay your balance in full and on time each month.
No interest free period on cash advances or balance transfers (this is subject to any interest free promotional offer).
Interest charging information
If interest is payable, it will be charged from the date the transaction is debited to your account until it is paid in full.
Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.
Allocation of payments
If you do not pay the total outstanding balance in full by the payment due date, we will apply the amount you do pay to reduce higher interest rate balances before lower interest rate balances.
For further details, please refer to your credit card terms and conditions.
Minimum repayment
The highest of:
- 2.25% of the amount you owe us on your monthly statement;
- £5 (or the entire amount if less than £5);
- any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.
If you only make the minimum payment each month it will take you longer and cost you more to clear your balance.
Credit limit
Minimum credit limit : £250
Maximum credit limit: Subject to status
Fees
No annual fee
Charges
- Cash withdrawals: 2.5% (min. £2.50)
- Balance transfers: 2.5% unless we tell you otherwise
- Overseas transactions: 2.75%
- Copies of statements: £3.00
- Copies of transactions: £5.00
Default charges
- Late payment: £12
- Over credit limit: £12
- Returned payment: £12
You can avoid paying additional charges by staying within your credit limit and ensuring that your monthly payments are received on time.
Pay less interest by repaying more each month
The example below assumes the following:
- £1000 purchase is added to your account on the 1st of the month and no further transactions made.
- Minimum payment is made each month on payment due date.
- Standard Rate (19.9% p.a.) is charged.
- Calculation includes any introductory rate on purchases.
- Credit limit is not exceeded.
| Monthly payment | Minimum payment each month | £50 each month | £100 each month |
|---|---|---|---|
| How much interest will be charged in the first year? | £175.61 | £154.92 | £110.64 |
| How much interest will be charged in the second year? | £155.65 | £67.28 | £1.00 |
| How long would it take to clear the balance? | 18 years 10 months | 2 years 3 months | 1 year 2 months |
If you would like this information in large print, Braille or audio format please call 0844 811 9119*.
*To make sure we maintain a high-quality service, we may monitor or record phone calls.
Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board.
Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP
Gold balance transfer terms and conditions
Interest free transfers until September 2012 from account opening on credit card balances...if that's tempted you to go Gold, here's the small print:
- The amount transferred must not exceed 90% 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.
- 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.
- 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.
- We cannot accept transfers to other credit card or loan accounts held with Barclays Bank PLC or any other Barclays group company.
- If you choose to close your account with other lenders, please let them know in writing.
- You should continue to make payments to your other lenders until is has been confirmed that the balance has been transferred.
- 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.
- 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.
- You have up to 60 days from the date of your application to transfer your balance.
- 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.
As well as new to credit cards, Barclaycard offers great deals on balance transfers, cash back and more.
For more information on the Barclaycard range of credit cardsor to apply for a credit card,0% balance transfer credit card,apply for credit card onlineor balance transfer. Are you looking for a card that offers a credit balance transfer?Then fill out our credit card applicationform covering our entire credit card range.Will also offer: Credit cards low APR,interest free credit card,online credit card,Platinum credit card,UK credit card range,UK low rate credit card.Personal Loans.Business Credit Card.Insurance
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