Barclaycard 27 months 0% interest on purchases and balance transfers
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Barclaycard 27 months 0% interest on purchases and balance transfers

135
Found 3rd Jan
Update: Barclaycard has improved the Platinum card so it offers 27 months at 0% for both purchases and balance transfers.


The Platinum card offers:
  • 0% interest on purchases for 27 months
  • 0% interest on balance transfers for 27 months
  • Balance transfer fee of 3.5% but reduced to 1.49% if you make the transfer within 60 days of opening the account. The difference is refunded to your account. (no idea why they do it like this, it makes life complicated).

Why I like this credit card
Although not the longest balance transfer card or purchase card, 27 months zero interest on both is pretty good and means you won’t need separate cards for existing debts and new spending. An effective BT fee of 1.49% is not bad either.
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londonguy5 h, 35 m ago

assuming there is no property crash


I really hope there is a crash. All the foreign investors, buy to letters and people who profit off the backs of our youth would be ruined. My home might be worth a penny but as long as the walls and roof hold, its still my home
You can also do a zero percent cash transfer to your bank, like a balance transfer.. but basically with cash in hand.

Use it to buy some shares or bitcoin and pay the amount back at the end, and pocket the difference..

You can then buy daily 25p hash browns from KFC for a year...


I'll get my coat..
AVOID BARCLAYCARD!!!!
firstofficer40 m ago

You can also do a zero percent cash transfer to your bank, like a balance …You can also do a zero percent cash transfer to your bank, like a balance transfer.. but basically with cash in hand.Use it to buy some shares or bitcoin and pay the amount back at the end, and pocket the difference..You can then buy daily 25p hash browns from KFC for a year...I'll get my coat..


Not sure I'd be buying Bitcoin at the moment, especially using cred card
135 Comments
Anyony can explain me please about the purchase/bank transfer limit for this card?
aaqeel3 m ago

Anyony can explain me please about the purchase/bank transfer limit for …Anyony can explain me please about the purchase/bank transfer limit for this card?


It depends on an individual basis. I applied for mrs last week. Got £1200 to begin but we can request for an increase with time.
vassy4u1 m ago

It depends on an individual basis. I applied for mrs last week. Got £1200 …It depends on an individual basis. I applied for mrs last week. Got £1200 to begin but we can request for an increase with time.


Thank you.
I had very bad experience with Barcaly ‘s card, cancelled all my cards with them. For some may be good deal!
Is it normal for them to not give an instant decision? Got "we will make decision within 5 working days".
willllllllll3 h, 25 m ago

Is it normal for them to not give an instant decision? Got "we will make …Is it normal for them to not give an instant decision? Got "we will make decision within 5 working days".


They said something similar to me, but I got a response in 48 hours.
Im looking to transfer around £5K as my zero percent is coming to an end soon. Is there no way of knowing the limit they'll offer before you apply? I dont want to waste my time with a card with too low a limit.
Very good deal for purchasing
Can existing customers get this on purchases or even something off for purchases for a few months
JellybearXo18 m ago

Can existing customers get this on purchases or even something off for …Can existing customers get this on purchases or even something off for purchases for a few months


Call them and ask to cancel. I did that a couple of months ago and they offered me 12 months 0% on purchases.
Sound good thanks op
If your credit rating is average would it be possible to get this?
shubyz1 h, 7 m ago

If your credit rating is average would it be possible to get this?


You could go onto the Uswitch site and use the "check your eligibility" without clocking up a negative on your credit score.

I got caught up in the catch 22 trap a few years ago when I applied for a few cards to choose which one would be the best offer and then got refused by them all one by one, when I tried to apply because the applications actually drop your score.

One major bank eventually saw sense when I asked " how do I check out the competition, if applying drops my score". I showed them my credit score before and after I started to apply.

I can understand them being cautious though.
Best deal out there at the moment. I'm buying a new TV them paying the monthly minimum for the 0% duration. Then just pay off the balance when the charges kick in.

You have to remember to do that in month 24 not wait for month 25 though. Or you get hit with the interest on the full remaining balance.
Harley.Roadking16 m ago

You could go onto the Uswitch site and use the "check your eligibility" …You could go onto the Uswitch site and use the "check your eligibility" without clocking up a negative on your credit score. I got caught up in the catch 22 trap a few years ago when I applied for a few cards to choose which one would be the best offer and then got refused by them all one by one, when I tried to apply because the applications actually drop your score. One major bank eventually saw sense when I asked " how do I check out the competition, if applying drops my score". I showed them my credit score before and after I started to apply. I can understand them being cautious though.



Yeah that’s exactly what I’m worried about and I actually haven’t ever applied for a credit card. But I might use the Uswitch site, thanks for that.
Thanks OP. Been after a long purchase card for a while. Just applied and got a £5k limit. That'll cover what I need it to
You can also do a zero percent cash transfer to your bank, like a balance transfer.. but basically with cash in hand.

Use it to buy some shares or bitcoin and pay the amount back at the end, and pocket the difference..

You can then buy daily 25p hash browns from KFC for a year...


I'll get my coat..
FrugalFergal4th Jan

Im looking to transfer around £5K as my zero percent is coming to an end …Im looking to transfer around £5K as my zero percent is coming to an end soon. Is there no way of knowing the limit they'll offer before you apply? I dont want to waste my time with a card with too low a limit.


I was given £5000 limit
FrugalFergal4th Jan

Im looking to transfer around £5K as my zero percent is coming to an end …Im looking to transfer around £5K as my zero percent is coming to an end soon. Is there no way of knowing the limit they'll offer before you apply? I dont want to waste my time with a card with too low a limit.


When I got my John Lewis MasterCard about a year ago they gave me a £9000 limit but we don't really do the balance transfer merry-go-round as we pay the balance in full every month so no idea if that is why they gave me such a relatively high figure.

We got a Sainsbury's MasterCard with 3 years interest free balance transfer for a bit of furniture we bought last year, not even sure why as our monthly spend on the JL card is more than that was but she deemed it a good idea I don't like debt full stop not even interest free debt so we don't have a plethora of cards, just the two I've mentioned and a Nationwide Select Visa because it's commission free on foreign transactions be they online or for when we're abroad.

Did actually just check on the JL financial services site to see how long they give, 9 months interest free balance transfers with 2.9% fee
2 years free 0% credit!!!! Hell heat!!!
I took this a year ago (5.8k limit given).

Since used it for a BT and money-to-account using the offers they sent in the post (every month!).
Decent app for the card too and no complaints here.


One small gripe is the lack of android pay for Barclays but that's hardly a game changer.
£25 from quidco if accepted!
FrugalFergal4th Jan

Im looking to transfer around £5K as my zero percent is coming to an end …Im looking to transfer around £5K as my zero percent is coming to an end soon. Is there no way of knowing the limit they'll offer before you apply? I dont want to waste my time with a card with too low a limit.


go with mbna they give bigger limits just put in application how much you want to transfer and staet i wish to make a transfer now.
firstofficer40 m ago

You can also do a zero percent cash transfer to your bank, like a balance …You can also do a zero percent cash transfer to your bank, like a balance transfer.. but basically with cash in hand.Use it to buy some shares or bitcoin and pay the amount back at the end, and pocket the difference..You can then buy daily 25p hash browns from KFC for a year...I'll get my coat..


Not sure I'd be buying Bitcoin at the moment, especially using cred card
AVOID BARCLAYCARD!!!!
geojo49 m ago

I was given £5000 limit


I just got my Halifax Mastercard and was given £7.5K as a limit with 0% for 33 months on transfers with no fee. I suppose the limit depends on indivual circumstances.
I went for a 0% on purchases for 31 months from Sainsburys yesterday. That’ll do me. Bit of a pants limit but it is the first bit of credit I’ve applied for for about 3 years.
Chasloyal1 h, 33 m ago

When I got my John Lewis MasterCard about a year ago they gave me a £9000 …When I got my John Lewis MasterCard about a year ago they gave me a £9000 limit but we don't really do the balance transfer merry-go-round as we pay the balance in full every month so no idea if that is why they gave me such a relatively high figure.We got a Sainsbury's MasterCard with 3 years interest free balance transfer for a bit of furniture we bought last year, not even sure why as our monthly spend on the JL card is more than that was but she deemed it a good idea I don't like debt full stop not even interest free debt so we don't have a plethora of cards, just the two I've mentioned and a Nationwide Select Visa because it's commission free on foreign transactions be they online or for when we're abroad.Did actually just check on the JL financial services site to see how long they give, 9 months interest free balance transfers with 2.9% fee


I agree with much of what you said. However last year I bought a flat in London and used a 0% credit card to save actual cash in the run up to the purchase. After 10yrs of saving for a deposit that frugal mindset tends to stick and a year in I've got a spare £10k of cash lying around. At first I was going to pay off the old credit card as its 0% term was running out but after a think Ive decided to whack that £10K cash to reduce my mortgage balance and transfer the £7.5k debt to the Halifax card. Now I can steadily pay it off interest free for the next 33 months. I've knocked 5yrs years off paying my mortgage with all the interest that goes with it it .

Of course am still paying that debt back via 33 monthly payments.I always over pay my mortgage each month anyway. For example if that figure was my standard Mortgage plus an extra £225 per month, the mortgage payment is still the same but over a shorter term as the capital has been reduced. Plus that £225 per month is exactly the £7.5K over 33 months which is now interest free.
Edited by: "FrugalFergal" 17th Feb
FrugalFergal11 m ago

I bought a flat in London


just before base rates start ticking up ??
Shame they give such a rubbish limit..

Offered me £4K

Cancelled it and took a Sainsbury’s card with 36m interest free with a £9k limit
londonguy9 m ago

just before base rates start ticking up ??


Fixed for 5yrs when the base rate was 0.25%. Overpaying the mortgage like crazy over this time. We've bought in Zone 6 near the crossrail station so hope the value holds and we have around 60% equity - for the best rates - when we remortgage for another 5yr fixed. We plan to have the entire mortgage paid off in just under 10yrs
Edited by: "FrugalFergal" 17th Feb
FrugalFergal19 m ago

Fixed for 5yrs when the base rate was 0.25%. Overpaying the mortgage like …Fixed for 5yrs when the base rate was 0.25%. Overpaying the mortgage like crazy over this time. We've bought in Zone 6 near the crossrail station so hope the value holds and we have around 60% equity - for the best rates - when we remortgage for another 5yr fixed. We plan to have the entire mortgage paid off in just under 10yrs


assuming there is no property crash
Say you had a credit card and paid off a catalogue balance, would that count as a purchase on a credit card or a balance transfer?

(I know balance transfers are usually card to card).
halifax 29 or this one is better?
Best card for balance transfer is Halifax. 0% interest, 0% transfer fee. The 29 month one
Edited by: "redworf" 17th Feb
ricardasgudkovas5 m ago

halifax 29 or this one is better?


Halifax in my opinion
Fine for purchases but balance transfer is NOT 0%......unless Barclaycard can explain how you can BT without paying any costs. Laughable. Quite how these banks have got away with it is beyond me. In a few years this will be the next PPI claim fiasco.

Not for me anyway.
Edited by: "royals" 17th Feb
Got £4200 limit, didn’t need that much but still it’s nice to have
Getting declined is a pain
Managed to get the 3 year interest free and a credit limit of 9k but minimum payment is 2.5% rather then 1% on MBNA and Halifax.
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