Barclaycard Platinum Balance Transfer & Purchase Credit Card

Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
Providing you clear the balance during the introductory period, a 0% purchase credit card can be a handy interest-free way to spread the cost of your spending.
Answer a few simple questions to see the cards you're most likely to be accepted for
Get long interest-free periods
Avoid interest on your spending and pay-off your balance by splitting it into affordable instalments.
Find the perfect match
CardFinder searches for cards with the longest 0% interest period that you're most likely to be approved for.
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CardFinder features a "soft search" credit check to you find credit card deals you're most likely to be accepted for without affecting your credit score.
Filter the results according to your needs
You can refine the search results to show deals that work for you. Simply choose the features that matter most to you. Filters include the card's APR and interest-free period.
Choose the card you want
Once you have compared all the options, pick a card that best suits your circumstances.
Apply for the card
Fill out the application form with your name, contact and financial details. It can take a week or more to hear whether you've been accepted.
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 21 years |
Minimum Income | £20,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
We are classed as a credit broker for consumer credit, not a lender.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
The main feature of 0% purchase cards is that they offer long interest-free periods that typically range from three to 24 months.
With a 0% interest credit card, you can make purchases and spread the cost over several months without being charged any interest.
For example, if you make a purchase worth £1,200 on a 0% purchase card with an interest-free period of 18 months, you can settle what you owe without interest by repaying £67 every month.
Once the 0% introductory period ends, however, you'll be charged interest based on the card's revert rate for any outstanding balance on your card.
A 0% purchase card is useful for buying big-ticket items, such as furniture or a holiday, because you can spread the cost over several months while paying no interest on the debt.
The best interest-free credit cards also offer rewards on your spending - including vouchers, supermarket loyalty points or even cashback.
When comparing 0% purchase credit cards, try asking yourself these questions:
Depending on the card, interest-free periods can range from three months to more than two years. Think about how long it will take you to clear the cost of your purchases and choose a card that will cover your needs.
Some 0% interest credit cards charge an annual fee. You need to check whether the amount you'll save in interest is more than you'll be charged in fees. If not, it’s best to choose a card that comes with no annual fee.
The revert rate – also known as the standard purchase rate – is the interest rate you'll be charged once the introductory interest-free period comes to an end. Revert rates tend to be between 10% and 35%, which is why you need to try to pay off your balance before the interest-free period is over.
Find out more about how APR works.
A 0% card means you can buy now, and pay over more than a year without being charged even a penny of interest for the privilege. Just make absolutely sure you don't miss a payment or you could lose your 0% deal.”Salman Haqqi, Personal Finance Editor
Your chances of being accepted for any credit card depend on a number of factors such as your:
income
existing debts
regular outgoings
credit history
Most lenders use these criteria when assessing whether you can afford a credit card. If you’ve struggled to pay off debt in the past, you may have a bad credit record. A history of poor credit can affect your chances of receiving a favourable 0% credit card deal.
Here are some ways to make the most of your 0% purchase credit card.
Use it sensibly. An interest free purchase credit card can be a useful tool to supplement your spending, when used responsibly. It's not a way to live beyond your means.
Always make at least the minimum monthly repayment. Even though you don't pay interest for a period, you still have to pay the minimum monthly payment. Missing even one payment can mean losing the 0% interest offer. This is why it's a good idea to set up a direct debt that pays the minimum payment automatically.
Pay off your balance before the 0% interest period ends. Once the interest free period ends, the interest can shoot up sharply. This is why if you're trying to pay off the balance from a large purchase, it's a good idea to work out how much you’ll need to pay each month. Divide the balance or purchase price by the number of 0% months you have to calculate how much you'll have to pay every month till the introductory 0% interest period ends.
0% interest does not apply to cash withdrawals. Keeping in mind that the interest free period only applies to purchases you make with the card. If you use your 0% purchase card to withdraw money, you'll be charged a higher rate and additional fees.
See which cards you are most likely to be accepted for without affecting your credit score
If you want to borrow a small sum of cash to repay a debt, or clear an overdraft, you can use a money transfer credit card to move cash into your current account.
Read more about transfering money from a credit card0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.
More on using a credit card for interest free purchasesIf you want a new credit card, here is exactly what you need to do to apply for it.
Read more about money transfer credit cards
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Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
Last updated: 30 July 2022