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Barclaycard review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Barclaycard suits people comparing a balance transfer card with a long interest-free transfer period and cashback. Its balance transfer fee is 3.15%, while the standard APR is 24.9%.

Key facts

Best for
A balance transfer card offer with cashback and interest-free purchase periods.
APR
24.9%↗
Currency conversion fee
2.99%↗
Rewards type
Cashback↗
Rewards rate
Cashback at participating retailers↗
Balance transfer intro period
36 months↗
Balance transfer fee
3.15%↗
Perks
12 months Apple TV subscription on us, Barclaycard Entertainment tickets and event discounts, Purchase protection, Fraud protection 24/7, Free additional cardholder, 0% interest on purchases for 3 months, Up to 56 days interest-free on purchases↗
Card kind
Credit↗
Legal entity
Barclaycard International Payments Limited↗
Headquarters
Ireland↗
Support channels
Phone, Chat, Help-centre↗
Features
Rewards
Official website
barclaycard.co.uk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • The balance transfer offer includes interest-free transfers for 36.
  • The card offers cashback at participating retailers through Cashback at participating retailers.
  • The listed benefits include purchase protection and fraud protection around the clock.
  • Support is available by phone, chat and through a help centre in phone, chat and help centre.

Cons

  • The balance transfer fee is 3.15%, while the standard APR is 24.9%.
  • The currency conversion fee is 2.99%, which is higher than Wise's 0%.
  • Rewards are cashback at participating retailers through Cashback at participating retailers, so the benefit depends on retailer participation.
Barclaycard

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • People moving a balance and comparing the cost of 3.15% against the interest-free period of 36.
  • Cardholders who want cashback at participating retailers through Cashback at participating retailers.
  • People who value phone, chat and help-centre support listed in phone, chat and help centre.

Who should look elsewhere

  • Wise may be more suitable for currency conversion because its listed fee is 0%, compared with Barclaycard's 2.99%.
  • Varo Believe Secured Credit Card may suit someone prioritising a different credit card structure, with an APR of 0%.
  • Starling Personal Account Debit Card may suit someone seeking a debit card rather than this balance transfer card, with an APR of 15%.

Who regulates it

Barclaycard is regulated by the Financial Conduct Authority in GB under licence 759676. In IE, the relevant regulator is IE_CBI under licence PSD_PI IE_CBI!C155145. The legal entity listed is Barclaycard International Payments Limited, with headquarters in Ireland.

Rates and card terms

The standard APR is 24.9%. For balance transfers, the card provides interest-free transfers for 36. The card is identified as a credit card in credit.

Fees and FX

The balance transfer card has a balance transfer fee of 3.15%. Its currency conversion fee is 2.99%. The balance transfer fee applies to balance transfers, while the currency conversion fee applies to foreign currency use. The standard APR is 24.9%.

Rewards and perks

The rewards type is cashback, as shown in cashback. Cashback is available at participating retailers through Cashback at participating retailers. Listed benefits include an Apple TV subscription, entertainment tickets and event discounts, purchase protection, fraud protection around the clock, a free additional cardholder and interest-free purchase periods.

How it compares on our data

On APR, Barclaycard ranks 95 among 138 brands. On currency conversion fee, it ranks 149 among 186 brands. These rankings provide context alongside the card's APR of 24.9% and currency conversion fee of 2.99%.

Balance transfers

The balance transfer offer lasts 36 and carries a fee of 3.15%. The card is a credit card, as identified in credit.

How Barclaycard compares

Where Barclaycard is available

Available
Ireland, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (759676), checked September 26, 2026
Licence in Ireland
IE_CBI (PSD_PI IE_CBI!C155145), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What are the main costs and rewards for this balance transfer card?+

The standard APR is 24.9%. The balance transfer offer provides interest-free transfers for 36, with a balance transfer fee of 3.15%. The listed cashback is Cashback at participating retailers.

How much does a balance transfer cost?+

The balance transfer fee is 3.15%, and the introductory interest-free period lasts 36. The standard APR is 24.9%.

Is this card competitive for overseas spending?+

The currency conversion fee is 2.99%. Wise lists a currency conversion fee of 0%, so Wise may be more suitable for frequent currency conversion based on this comparison.

Who regulates Barclaycard?+

The card is regulated by the Financial Conduct Authority in GB and IE_CBI in Ireland. The relevant licence references are 759676 and PSD_PI IE_CBI!C155145.

What benefits are included with the card?+

The listed benefits include purchase protection, fraud protection around the clock, a free additional cardholder, an Apple TV subscription and entertainment tickets and event discounts. The rewards are cashback at participating retailers through Cashback at participating retailers.

How can cardholders get support?+

Support is available by phone, chat and through a help centre, as listed in phone, chat and help centre.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee.

Barclaycard

Barclaycard

A balance transfer card offer with cashback and interest-free purchase periods.

9.0/10See alternatives