Barclaycard Platinum 0% Purchase
The Barclaycard Platinum 0% Purchase card gives a long interest-free window on new spending, ideal for spreading the cost of a big purchase without paying interest.
Why it ranks
- Long interest-free purchase window
- No annual fee
- Soft-search eligibility check available
What holds it back
- Interest applies after the 0% period ends
- 2.99% foreign transaction fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Barclaycard Platinum 0% Purchase card gives a long interest-free window on new spending, ideal for spreading the cost of a big purchase without paying interest.
Barclaycard Platinum 0% Purchase at a glance
| Issuer | Barclaycard |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | No welcome bonus |
| Rewards rate | No rewards; interest-free spending focus |
| Intro APR | 0% on purchases for an extended introductory period |
| Regular APR | Approx. 24.9% APR representative (variable) |
| Foreign transaction fee | 2.99% on foreign currency purchases |
| Credit needed | Good credit history |
| Best for | Spreading the cost of a large purchase interest-free |
| Airport lounge access | No |
Rewards & benefits
- Lengthy 0% introductory APR on purchases
- No annual fee to hold the card
- Manage spending and payments via the Barclaycard app
- Use your eligibility checker with no impact on credit score
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Pass Barclaycard affordability checks
How to apply
Check current rates on Barclaycard’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | BBarclaycardPlatinum 0% PurchaseNo annual fee · UK Barclaycard Platinum 0% PurchaseSpreading the cost of a large purchase interest-free |
None | No rewards; interest-free spending focus | No welcome bonus | 2.99% on foreign currency… | Good credit history | |
| 2 | HHalifaxClarityNo annual fee · UK Halifax Clarity Credit CardFrequent travellers wanting fee-free overseas spending |
None | No rewards; travel cost savings focus | No welcome bonus | 0% on foreign currency pur… | Good credit history | |
| 3 | AEAmerican Express UKBritish AirwaysNo annual fee · UK British Airways American Express Credit CardBA flyers who can hit the spend for a Companion Voucher |
None | 1 Avios per GBP1 spent | Bonus Avios after meeting an initial spend target | 2.99% on foreign currency… | Good credit history | |
| 4 | AEAmerican Express UKPlatinum Cashback EverydayNo annual fee · UK American Express Platinum Cashback EverydayEveryday spenders wanting fee-free cashback |
None | Up to 5% intro then 0.5%-1% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history |
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