The Barclaycard 36 Month Balance Transfer offer provides a lengthy 0% interest period on balance transfers for up to 36 months. Afterwards, a representative variable APR of 24.9% applies. You’ll pay a 3.45% transfer fee and balances must be transferred within the first 60 days to benefit from the promotional rate. Average guaranteed credit limits can reach up to £2,000, giving users flexibility in how they manage existing debts.

Pre-approvals give many applicants confidence, with over half of MoneySuperMarket users having high chances of being accepted for this Barclaycard. With the added ability to register for cashback on everyday spending at selected retailers, it stands out as a flexible and rewarding option for those looking to manage their finances more smartly.

신청 방법: 단계별

• Decide if the Barclaycard matches your needs for balance transfer and rewards.
• Prepare personal and income details for the application process.
• Complete the online eligibility checker for instant approval confidence.
• Choose Barclaycard and submit your application online.
• Once approved, receive your card and transfer balances within 60 days to secure the 0% offer.

Pros: Benefits To Know

The standout feature is the extended 36-month interest-free period on balance transfers, which is among the longest on the market. Registering on the Barclaycard app also allows users to earn cashback offers when shopping with participating retailers, adding extra value to everyday spending.

High pre-approval rates and a competitive balance transfer fee further enhance its appeal for those seeking to save on interest and manage debt repayments efficiently.

Cons: Things To Consider

Balance transfers must be made within 60 days of opening the account to access the promotional rate, which requires quick action. Interest rates and the promotional period offered may vary depending on applicant circumstances, and balances from other Barclaycard accounts cannot be transferred.

Additionally, after the promotional period, the relatively high variable interest rate applies, which means careful planning is vital to avoid extra costs.

우리의 평결

The Barclaycard 36 Month Balance Transfer credit card is an excellent option for those seeking a long 0% period to clear existing debts and benefit from potential cashback rewards. Its competitive features and broad acceptance mean it’s likely to suit a wide range of applicants, though you should always review the terms to ensure it fits your borrowing needs. If you act within the necessary 60-day window and plan repayments, this offer can be a smart financial move.