Barclaycard Platinum Balance Transfer & Purchase Credit Card

Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
Choose a credit card for low income and increase your chances of getting approved even if you have a low salary.
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 credit cards
Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.
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 | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
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 | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
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 | £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 | £7,500 |
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 |
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.
If you're on a low income or if you’re unemployed, it can be challenging to get approved for a credit card. But that doesn't mean that you can't get a credit card. In the table above, you’ll find a list of credit cards designed for people with low or no income.
Generally, these cards have a lower minimum salary requirement, meaning you’re more likely to be accepted if you aren’t paid much. It is worth noting, however, that these cards generally don’t offer the best interest rates or 0% periods, as the banks are more cautious about lending to people who earn less.
Some cards do not specify a minimum income in their terms and conditions, but they will still check if you will be able to afford repayments. Even if you do not have a regular wage, they could count the following as income:
Yes. As mentioned above, many low income credits don't have specific income requirements. But most lenders do check to make sure you will be able to afford repayments as part of the application process.
Benefit payments such as a Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Universal Credit will often be factored into your eligibility for a credit card, but it’s worth bearing in mind that it’s unlikely you’ll be offered the best interest rates and you might not be able to borrow as much as someone with a salary.
Finding the best low income credit card is dependent on your personal circumstances and how low your salary is.
In our table above, you’ll be able to see a variety of low income credit cards offering a range of different balance transfer periods, interest free periods and APRs. If you click the “more information” button, you’ll also be able to see more detailed information on the eligibility requirements which include:
The minimum credit rating
The minimum age
The minimum income
While our low income credit cards are designed for people with low or no salary, lenders take a number of different factors into consideration when deciding whether to approve a credit card application.
Generally, you’ll need to be over the age of 18 and a UK resident to qualify for a low income credit card. Other factors also include your financial history - whether you’ve been bankrupt or had a County Court Judgement (CCJ) - and your credit record.
Here is what you can do to find a credit card that will accept you.
Lower credit scores generally make it more difficult to borrow money from lenders, as they’re usually an indicator of someone’s inability to repay in the past. However, a low income and a bad credit score does not make it impossible to get a credit card.
Lenders tend to recognise that unemployment and low salaries are temporary, and financial circumstances are likely to change. That being said, the interest rates on credit cards available to people with a low credit score and low income are likely to be higher than the rates you’ll see advertised.
If you’re earning, it’s also worth checking out our dedicated bad credit credit cards, to see if there is one you can qualify for.
Less restrictive eligibility requirements
Are useful if you need credit urgently
Some can help you improve your credit history
Typically have higher interest rates
Typically offer lower credit limits
Can be costly if you don't keep up with repayments
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: 28 March, 2022