People who enjoy shopping and earning rewards at the same time can benefit from a Barclays Credit Card. Rewards cards offer cashback for everyday spending when using cashless payment. Whenever you use the card for eligible transactions, you earn 0.25% cashback.
A wide range of benefits are also accessible for cardholders. From fraud-prevention features to standard purchase protection, you can maximize the card and get exclusive perks. Barclays also ensure that credit card accounts are protected.
If you’re looking for a card with a lower interest rate and a myriad of perks, consider getting a Barclays Credit Card. Read on to find out the types of credit cards are offered and learn about their features, charges, and bank information.
Barclays Credit Cards and Features
Barclays has four major categories for credit cards. These are balance transfer, purchase, rewards, and credit-building credit cards. Depending on your spending habits and financial goals, you can get the card that is suited for your preferences.
The balance transfer cards are used to pay less on interest when transferring a card balance from a different credit card. With the Barclay Platinum card, you get up to 18 months of 0% interest for balance transfers and purchases.
If you love shopping and using a card for everyday transactions, the Barclaycard Rewards card is best to use. Cardholders aren’t charged for withdrawing cash abroad and using the card for shopping outside the United Kingdom.
The Rewards card also provides 0.25% cashback for all eligible purchases. Meanwhile, the Barclaycard Forward card is suited for individuals who are trying to build or improve their credit score. This card has a price promise of a 3% interest reduction for making payments on time.
How to Apply for a Barclays Credit Card
The online application is the easiest way to apply for a credit card. Applicants can simply visit the website of Barclays or contact their hotline to ask for assistance. Application via branch is also applicable, however, calling the bank beforehand is recommended.
To qualify as a cardholder, applicants must be at least 18 years of age, a UK resident, employed, and have a good credit score. The Barclaycard Eligibility Checker can be used to see whether you are qualified for a Barclay card or not.
Fees and Charges
For the Barclays Rewards card, the interest rate is 22.9% APR variable. The monthly interest for purchases is 1.733% and 2.07% for cash withdrawals. A late payment fee of £12 is charged after the 56-day interest-free period. This card has no annual fee.
The Barclaycard Platinum card is also free, with no annual or joining fees. The monthly interest rate for purchases is 2.07% while balance transfers’ interest rate is 1.59%.
Finally, the Barclaycard Forward credit card has a representative APR of 33.9% variable for purchases and balance transfers. Cardholders enjoy a price promise of a 3% interest reduction for paying on time every month. This card is also free, without annual or joining fees.
Barclay Contact Information
Reach Barclays through their hotline at 0800 731 0200 or keep in touch through social media accounts, Facebook and Facebook Messenger.
Conclusion
Order the Barclays Credit Card today to enjoy hassle-free payment. Access the perks of credit cards including generous rewards, credit-building features, and lower balance transfer charges. For more information, visit the website of Barclays today.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.