Barclaycard Platinum Balance Transfer Credit Card

Barclaycard's Platinum Balance Transfer card is consistently among the longest 0% balance-transfer deals in the UK — typically up to 29 months at 0% for a transfer fee of around 3.45%. Move £3,000 from a 24.9% card and you save roughly £700 in interest over the period even after the fee. The one rule: clear the balance before the 0% period ends, or set up a fixed monthly payment that does.

Barclaycard Platinum Balance Transfer Credit Card at a glance

Rewards & perks

• One of the longest 0% balance-transfer windows available in the UK
• Transfer balances within 60 days of opening to qualify for the offer
• Eligibility checker shows your likely 0% length before a hard search

Pros

• Long interest-free period for paying down debt
• No annual fee
• Barclaycard app makes setting a fixed repayment easy

Cons

• Transfer fee of around 3.45% is higher than some shorter 0% deals
• Purchases revert to interest after only 3 months
• Your 0% length depends on your credit profile

Who should apply

• UK residents aged 21+ with a good credit history
• Anyone carrying a balance on a high-APR card they cannot clear in a few months
• People disciplined enough not to spend on the card

Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Barclaycard site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.