Barclaycard Forward Credit Card
Representative APR
33.9% APR (variable)
Purchases
0% for up to 3 months, then 33.90% (variable) p.a.
Balance Transfers
29.54% (variable) p.a.
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 33.90% (variable) p.a., most accepted customers get a rate of 33.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Forward Barclaycard has a representative APR of 33.9% variable and is positioned as a credit builder option. It offers 0% interest on purchases for the first 3 months. There are no annual fees, and it includes a price promise: if you make all payments on time during the first year, your interest rate may be reduced by 3%.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Barclaycard |
|---|---|
| Network | Visa |
| Primary Category | Credit Building |
| Loyalty Scheme | |
| Incentive on opening | Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year. |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 0% for up to 3 months, then 33.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 29.54% (variable) p.a. |
| Balance Transfer Fee | 0.00% |
| Cash Advances | 33.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 50.00 |
| Maximum Credit Limit | Subject to application, financial circumstances and borrowing history |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 3,000 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
No fee credit cards in the UK – balance transfer, cashback and travel options explained
Top 10 Balance Transfer Credit Cards in the UK
