Barclaycard Platinum Balance Transfer & Purchase Credit Card

Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
Choose a consolidation credit card that could offer you a cheaper way to pay off your debt and combine it into a single monthly payment.
without affecting your credit score
You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
1
Compare cards
Use our table of offers to find a credit card that offers all the features you need with the lowest fees.
2
Check your eligibility
Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.
3
Apply for the card you want
Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,500 |
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 |
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 |
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 |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | not in last 12 months |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
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.
Combining several debts into single balance on a credit card is known as debt consolidation. Using a credit card to consolidate your debt can be cheaper than other options, such as a personal loan.
Keeping track of debt spread over several credit cards or loans can be complicated and difficult. Debt consolidations allows lenders to combine that debt and then pay it off with a single monthly payment. Not only does it simply you debt payments, it can be cheaper as you'll pay less in interest.
You could reduce the interest you pay on your balances by moving them to a consolidation credit card. It's best to find one that either charges a lower interest rate or comes with an interest free period.
It will cost less to clear what you owe if you pay less interest, because more of what you repay will go towards clearing the balance quicker.
If you have several outstanding credit card balances, moving them all to one consolidation credit card can also make it easier to keep track of what you owe, and stay on top of your repayments. This means you are less likely to miss payments, which can damage your credit record and come with expensive fees.
Our comparison table above includes many credit cards in the UK that offer a balance transfer, including:
Cards that offer a 0% interest rate for a promotional period
Cards that let you pay off the transferred balance at a set interest rate
Enter your total outstanding card balance and your current credit card provider at the top of the table. We will show you how much each balance transfer deal could save you, and the time it would take you to pay off your balance.
Debt consolidation credit cards offer a good opportunity to take control of your finances and manage your debt. Be careful not to fall into the same situation, by setting realistic budgets and spending habits. ”Salman Haqqi, Personal Finance Editor
Our table includes details of the interest rate you would pay on any purchases you make on the card, and the costs of making a balance transfer on each one, which are:
The interest rate
Details of any interest free period offered
The balance transfer fee, if one is charged
Balance transfer fees are a percentage of the balance you transfer to the card. For example: on a card with a 3% fee, you would pay £30 to transfer a balance of £1,000. This fee is usually added to your balance, so the total balance you pay back will be £1,030.
They also come with the same fees and charges as other credit cards, including interest and charges for missing payments or going over your credit limit.
Yes, you could pay off an overdraft or loan using a money transfer credit card.
They let you send money to your bank account with 0% interest for several months. Here is how to make a money transfer.
See which cards you are most likely to be accepted for without affecting your credit score
0% 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 purchasesHere is how to improve your chances of getting accepted for a credit card.
Read MoreMasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.
Read MoreChoosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.
Read MoreYou can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.
Read MoreIf you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.
Read MoreComparing 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: 25 March, 2022