Barclaycard Platinum Longer Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.90% (variable) p.a.

Balance Transfers

0% for up to 33 months, then 24.90% (variable) p.a. (3.19% fee).

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, at a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.6

OUR RATING

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 Platinum Longer Balance Transfer credit card offers 0% interest on balance transfers for up to 33 months, making it a suitable option for those with larger balances to repay over time. It comes with a 3.45% balance transfer fee which may be offset by the extended interest-free period.

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	Balance Transfer
Loyalty Scheme
Incentive on opening	Benefit from 33 months interest free on your balance transfer.
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£0
Purchases	24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for up to 33 months, then 24.90% (variable) p.a. (3.19% fee).
Balance Transfer Fee	3.19%
Cash Advances	24.90% (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	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	3%
Foreign Usage World	3%