Barclaycard Freedom
Customers will automatically earn Reward Money via purchases at selected retailers. Reward Money is earned at 1% of the purchase price from eligible purchases. Reward Money can be redeemed at any of the selected retailers at point of sale.collapse
| Card Details | |||||
| Type of Card | Visa | This item is only available as a Visa card | |||
| Instant Online Decision | yes | An instant online decision is available to applicants. | |||
| Application Criteria | |||||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | |||
| Minimum Age | 21 years | Minimum age for applicants is 21 years. | |||
| Minimum Income | £20,000 | A minimum income of £20000 per annum is required | |||
| Introductory Rates | |||||
| Intro Balance Transfer Rate | 0% | The annual introductory rate for balance transfers up to £5000 is 0.0%. | |||
| Intro Balance Transfer Duration | 16 months | Introductory balance transfer rate applies for 16 months. | |||
| Intro Balance Transfer Window | 60 days | Balance transfers made within 60 days will receive the introductory offer associated with this card. | |||
| Intro Balance Transfer Fee | 2.9% | Introductory balance transfer fee of 2.90% applied. | |||
| Minimum Intro Balance Transfer Fee | £7.25 | A minumum introductory balance transfer fee of £7.25 is applied. | |||
| Intro Balance Transfer Offer Begins | when account opened | The introductory balance transfer offer duration begins when account opened. | |||
| Intro Purchase Rate | 0% | The introductory rates for purchases is 0.0%. | |||
| Intro Purchase Duration | 3 months | Introductory purchase rate applies for 3 months. | |||
| Intro Balance Transfer Availability | during fixed term | The introductory balance transfer offer can be taken during fixed term. | |||
| Standard Rates | |||||
| Typical APR (Variable) | 16.9% | The typical APR is 16.9% p.a. | |||
| Cash Advance Rate | 27.9% | The annual interest rate for cash advances is 27.9%. | |||
| Benefits | |||||
| Cashback & Rewards Credit Card | yes | yes | |||
| Cashback Reward | no | A cashback reward scheme is not available. | |||
| Rewards | yes | yes | |||
| Reward Points | yes | Barclaycard Freedom Customers will automatically earn Reward Money via purchases at selected retailers. Reward Money is earned at 1% of the purchase price...expand | |||
| Air Miles | no | There is no travel reward programme available. | |||
| Shopping Rewards | yes | 7% discount off holidays from over 150 tour operators, including late deals. | |||
| Choice of Card Design | no choice | No choice of card design is available. | |||
| Payment Protection | no | Payment Protection is not available. | |||
| Travel Insurance Cover | £10,000,000 | Up to £10 million medical expenses. Up to £2 million liability cover. Up to £5,000 for holiday cancellation or curtailment. Up to £2,000...expand | |||
| Lost Luggage Cover | yes | Lost, stolen, or damaged baggage is covered up to £2,000. | |||
| Fees & Charges | |||||
| Annual Fee | £0 | No annual fee is charged. | |||
| Interest Free Period | 56 days | Up to eight weeks (56 days) interest free credit. | |||
| Minimum Repayment % | 2.25% | The minimum monthly payment is 2.25% of the total sums due on the monthly statement or £5 whichever is more; or if the statement balance is less...expand | |||
| Minimum Repayment £ | £5 | The minimum monthly payment is 2.25% of the total sums due on the monthly statement or £5 whichever is more; or if the statement balance is less...expand | |||
| International Charges | 2.75% | Transactions made in foreign currencies within Europe are charged a 2.75% fee. | |||
| Late Payment Charge | £12 | A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due. | |||
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