Barclaycard Travel Credit Card. 12 months interest free on purchases. Also NO fees worldwide and if you withdraw cash abroad you get until the statement date to pay it off! No need to worry about online banking
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Barclaycard Travel Credit Card. 12 months interest free on purchases. Also NO fees worldwide and if you withdraw cash abroad you get until the statement date to pay it off! No need to worry about online banking

34
Found 4th Jun
Barclaycard Platinum travel credit card


  • 0% interest on purchases for 12 months from the date you open your account
  • No non-sterling transaction fees on your foreign spend and ATM withdrawals until 31 August 2022

Representative example

Representative – 19.9% APR (variable)

Cash Rate APR - 27.9% APR (variable)

Purchase rate pa – 19.9% pa (variable)

Assumed credit limit – £1,200

After the promotional period the non-sterling transaction fee will revert to 2.99%.

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.

It would be better to use the creation card if you can access online banking and pay it off the next day. Because the creation card is at 12.9% apr. Plus you can withdraw from the UK fee free

But if you can pay your balance off in full then this card wins every time! As it would be upto 56 days interest free! However thats only foreign currency withdrawals not UK withdrawals.

Do not withdraw in pounds as you pay interest from day one and you also get charged a cash machine fee of 2.99% minimum £2.99

withdrawing cash shows up separately on your credit report
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34 Comments
looks good card
Seems like this beats the Halifax clarity card?
eraysor1 m ago

Seems like this beats the Halifax clarity card?


Beats it for the no cash withdrawal fee. But the Visa exchange rate won't be quite as good as the MasterCard rate on the Clarity.
shatteredneon11 m ago

Beats it for the no cash withdrawal fee. But the Visa exchange rate won't …Beats it for the no cash withdrawal fee. But the Visa exchange rate won't be quite as good as the MasterCard rate on the Clarity.


So true, but very, very marginal.
I use Barclaycard all the time now abroad, but take a Clarity card as back-up.
Probably a stupid question, but if you're withdrawing abroad how do the exchange rates compare to buying currency from a kiosk? TIA.
SoozyB15 m ago

Probably a stupid question, but if you're withdrawing abroad how do the …Probably a stupid question, but if you're withdrawing abroad how do the exchange rates compare to buying currency from a kiosk? TIA.


Todays rate on visa is 1 Pound = 1.135070 Euro so if you spend or withdraw cash you'd get this rate.

The rate on the BBC is €1.1414. So its very favourable

Best bureaux exchange is €1.13.

So its all very close. Even if you book ahead at the airport its €1.125 so not bad. Just don't turn up at the airport otherwise its €1.01 for a pound

4th June only
Edited by: "Anon32" 4th Jun
Anon3231 m ago

Todays rate on visa is 1 Pound = 1.135070 Euro so if you spend or withdraw …Todays rate on visa is 1 Pound = 1.135070 Euro so if you spend or withdraw cash you'd get this rate.The rate on the BBC is €1.1414. So its very favourable Best bureaux exchange is €1.13. So its all very close. Even if you book ahead at the airport its €1.125 so not bad. Just don't turn up at the airport otherwise its €1.01 for a pound4th June only


Thanks very much 😁
Pic shows platinum card, is this different than a platinum travel card?
ws00716 m ago

Pic shows platinum card, is this different than a platinum travel card?


I got one last year. Looks exactly the same as my other Barclaycard Platinum Visa so I guess once the promotion has expired it becomes a regular Platinum Visa. Never got anywhere near 56 days interest free btw, my balance from the first withdrawal was due before my holiday (2 week) finished so make sure you have access to online banking.
Edited by: "gazdoubleu" 4th Jun
gazdoubleu7 m ago

I got one last year. Looks exactly the same as my other Barclaycard …I got one last year. Looks exactly the same as my other Barclaycard Platinum Visa so I guess once the promotion has expired it becomes a regular Platinum Visa. Never got anywhere near 56 days interest free btw, my balance from the first withdrawal was due before my holiday (2 week) finished so make sure you have access to online banking.


i just did direct debit
eraysor3 h, 55 m ago

Seems like this beats the Halifax clarity card?


This Barclays package is designed for a new card to buy market share. Then it reverts to the normal standards of Barclaycard. In 12 months, its very easy to build up a substantial debt and that's exactly what Barclaycard wants.

Halifax Clarity has provided outstanding service for years (if not decades).

Choice is good (so long as those doing the choosing have a modicum of intelligence).
shatteredneon7 h, 54 m ago

Beats it for the no cash withdrawal fee. But the Visa exchange rate won't …Beats it for the no cash withdrawal fee. But the Visa exchange rate won't be quite as good as the MasterCard rate on the Clarity.



The Clarity card doesn't charge for foreign cash withdrawals either
Clarity here but you have to pay cash of straigh away to avoid fees! The clairy does have a free £20 bonus at the moment
stokie1 h, 14 m ago

The Clarity card doesn't charge for foreign cash withdrawals either


Sorry. No it doesn't charge a transaction fee but I understood you pay interest from the time of withdrawal, hence I never use it for cash.

Currently I use my Clarity for spending and Nationwide Flex plus for cash.

Tempted by this as a single card solution, or possibly Starling Bank.
New customers only. I tried to convert my current Barclaycard and was told no.
Is the offer only until 2022? What happens after that ? Get shafted with high APR??
Slight tangent but I've had a Barclaycard for a couple years now and find the app to be one of the best out there for being user friendly.

Easy website too and access to experian score free too.
Before going to the US at Xmas, I loaded up credit on my Clarity card, withdrew cash with cost me nothing along as I stayed in credit, easy way of handing Xmas cash to family
Best travel card there is.
A cash withdrawal from a credit card will not look good on a credit score even if payed off immediately. They conclude you as being so desperate you took ££ out from a CC. Use it for spending. Use metrobank (europe)/starling/monzo/revolut for cash withdrawal. Preferably first two.
jinkssick3 m ago

A cash withdrawal from a credit card will not look good on a credit score …A cash withdrawal from a credit card will not look good on a credit score even if payed off immediately. They conclude you as being so desperate you took ££ out from a CC. Use it for spending. Use metrobank (europe)/starling/monzo/revolut for cash withdrawal. Preferably first two.


Ive used cash withdrawls abroad but it hasn't affected my score one bit.
jinkssick3 h, 16 m ago

A cash withdrawal from a credit card will not look good on a credit score …A cash withdrawal from a credit card will not look good on a credit score even if payed off immediately. They conclude you as being so desperate you took ££ out from a CC. Use it for spending. Use metrobank (europe)/starling/monzo/revolut for cash withdrawal. Preferably first two.


On the contrary, so long a you dont get into trouble it will look good. Creditors hate people who pay things off quickly and call them "deadbeats". Far less money to be made from them.
eraysor18 h, 14 m ago

Seems like this beats the Halifax clarity card?


Funnily enough, on the Halifax clarity card Thread, 'similar' (in relation to the OP's Barclaycard Travel Credit Card Thread) is also discussed there too ... hehehehehe. :-D
ccnp20 h, 44 m ago

This Barclays package is designed for a new card to buy market share. …This Barclays package is designed for a new card to buy market share. Then it reverts to the normal standards of Barclaycard. In 12 months, its very easy to build up a substantial debt and that's exactly what Barclaycard wants.Halifax Clarity has provided outstanding service for years (if not decades).Choice is good (so long as those doing the choosing have a modicum of intelligence).


This is like saying don't use fire to cook on because if you get too close, it will burn you... I think most deal seekers on this site are perfectly understanding of the implications of a 12 month introductory term and also of the psychology/ business objective behind such an introductory term.
Jammyjim14 h, 50 m ago

Before going to the US at Xmas, I loaded up credit on my Clarity card, …Before going to the US at Xmas, I loaded up credit on my Clarity card, withdrew cash with cost me nothing along as I stayed in credit, easy way of handing Xmas cash to family


Need to be a bit careful doing this as it’s technically against their T&Cs
Spacevsgravity13 h, 42 m ago

Ive used cash withdrawls abroad but it hasn't affected my score one bit.


moneysavingexpert.com/tra…ord

I have always known it to be bad. If you think of it logicaly from lenders view "Person is so desperate for cash he had to take money from a CC?"
But surely the designers of this card and clarity made it for that purpose? Taking out cash in UK might be different. I got knocked back from this but got the clarity just in case anyone tries this first and is discouraged. Irony is have a current account with barclays for 20 years and no prior relationship with halifax. Ah well need to get starling now just so I have a couple of sources for holiday.
Applied for this but it doesn't mention anything about waiving the 2.9% fees
Looking for a bit of clarity, I'm not used to using Credit Cards... I'm planning on going to the states soon and would like a credit card as I intend to purchase clothes, experiences and maybe some gadgets whilst over there(would take cash as well). I would want to split this over a couple of months pay slips, would this card allow me to do this and pay, say, half the on the first month due and half the month after without incurring extra costs? Also, how long after applying does it take for the card to be delivered? Apologies they sound like a stupid question.
jinkssick4th Jun

A cash withdrawal from a credit card will not look good on a credit score …A cash withdrawal from a credit card will not look good on a credit score even if payed off immediately. They conclude you as being so desperate you took ££ out from a CC. Use it for spending. Use metrobank (europe)/starling/monzo/revolut for cash withdrawal. Preferably first two.


I’ve used a Halifax Clarity card abroad for cash lots over the last 2 years, as well as using it every now and then in the uk.

I also got one of theseBarclaycard travel cards for a trip to Whistler last month and again drew out plenty of cash on it during that trip.

When you get the card you can get the Barclays app which shows your Experian score and mine was 999 which I believe is the best score you can get.

That doesn’t fit with what you say.
Edited by: "HaroFreestyler" 5th Jun
Stubob7 h, 4 m ago

Looking for a bit of clarity, I'm not used to using Credit Cards... I'm …Looking for a bit of clarity, I'm not used to using Credit Cards... I'm planning on going to the states soon and would like a credit card as I intend to purchase clothes, experiences and maybe some gadgets whilst over there(would take cash as well). I would want to split this over a couple of months pay slips, would this card allow me to do this and pay, say, half the on the first month due and half the month after without incurring extra costs? Also, how long after applying does it take for the card to be delivered? Apologies they sound like a stupid question.


As long as you cover the minimum payment each month you can pay it off when you like providing you get the 0% offer.

Mine took about 2 working days to come and the pin is given online so I could use it immediately.
HaroFreestyler13 h, 52 m ago

I’ve used a Halifax Clarity card abroad for cash lots over the last 2 y …I’ve used a Halifax Clarity card abroad for cash lots over the last 2 years, as well as using it every now and then in the uk. I also got one of theseBarclaycard travel cards for a trip to Whistler last month and again drew out plenty of cash on it during that trip.When you get the card you can get the Barclays app which shows your Experian score and mine was 999 which I believe is the best score you can get.That doesn’t fit with what you say.



Probably has to do with your income. Take your income with someone who is just breaking even every month, tries to apply for extra credit and the lenders see various cash withdrawals abroad. Mind you, why is he on holiday in first place but my point is still valid.
jinkssick5th Jun

https://www.moneysavingexpert.com/travel/withdrawing-cash-abroad-credit-recordI have always known it to be bad. If you think of it logicaly from lenders view "Person is so desperate for cash he had to take money from a CC?"


Nice!. :-)
HaroFreestyler5th Jun

As long as you cover the minimum payment each month you can pay it off …As long as you cover the minimum payment each month you can pay it off when you like providing you get the 0% offer. Mine took about 2 working days to come and the pin is given online so I could use it immediately.


I agree! Too many people keep banging on about cash. Any application 'affects' credit score. It can go up and down. So what? As they say give people some information!

Surely late and missed payments are what would 'affects' your score negatively. They might see that you have taken cash and might conclude that they don't want you but this card is designed to do exactly that. What happens if you take this out and then don't get any new credit cards and you already have a mortgage. The 'affect' in my crefit score i couldn't give a flying monkeys about!

This is far better and cheaper than payday loans. However UK withdrawal is not cheap as you have the cash machine fee and pay interest straight away and at 27.9%

The better card might be the creation as its only 12.9% apr on cash and spending and no fees worldwide and including the UK. Thats about 1% a month so for every £100 if you took two weeks to pay it off it eould cost you 50p.

I don't agree with "person so desperate for cash he had to use a credit card"

For a start tradesman don't always have the facility for credit cards. Izettle is changing that but before you had to have a metchant id etc... So cash withdrawal was good.

Also if I need the basics in tesco, lidl, aldi etc... I can use the credit card for spending there and not cash. I agree it shows up different but there seems to be a hysteria about cash withdrawal on this site and its just plain nonsense
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