Barclaycard is a division of Barclays that was founded in 1966 and was created to make it easier to make transactions. They offer a variety of cards and payment services which includes credit cards, charge cards, card readers, payment processing, payment gateways and virtual terminals.
Barclaycard Credit Card Options
Barclaycard offers a range of business credit cards and business charge cards, these are:
Select Cashback Business Credit Card
- Offers 1% cashback on eligible spend
- No annual fee
- Representative APR 21.9% (variable)
- Up to 56 days of interest-free credit
- Purchase protection and cardholder misuse insurance
Premium Plus Business Credit Card
- 99% on foreign exchange fees (saving of 2%)
- VIP airport lounge access
5% cashback on all eligible up to £400 per year - £150 annual fee
- Representative APR 49.4% (variable)
- Up to 56 days of interest-free credit
- Business travel, purchase protection and cardholder misuse insurance
Select Business Charge Card
- £42 per account with no additional cardholder fees
- Representative 3.6% APR (variable)
- Credit limit between £1,000 and £50,000 subject to status
- Up to 38 days of interest-free credit
- Purchase protection and cardholder misuse insurance
- Business rewards include discounts from leading retailers and pre-sale tickets
Barclaycard Credit Card Eligibility
Barclaycard’s credit cards and charge cards are available to UK businesses that are well managed (no overdue commitments or bankruptcy) and have a business turnover or plan for new businesses that exceed £10,000 per year.
Barclaycard Credit Card Rates
Barclaycard bases their representative example on an assumed credit limit of £1,200 which are:
- Select Cashback Credit Card – representative APR 21.9%
- Premium Plus Credit Card – representative APR 49.4%
- Select Charge Card – representative APR 3.6%
Barclaycard Credit Card Calculator
Barclaycard provides a credit card selector to help businesses to choose which is the best card for them.
Barclaycard Credit Card Reviews
There are many reviews on Barclaycard across most of the leading review sites and most of them have low ratings. Trustpilot has the highest number of reviews and the majority of reviewers (88%) rated them as bad. The comments from reviewers included poor customer service, issues with online services, problems speaking with an advisor and problems receiving the benefits that come with the card.
Reviews.co.uk and Review Centre has similar scores and feedback as Trustpilot. Smart Money People reviews were more positive and there was a small number of reviews that were specifically about business card products. The feedback on these products included good customer service, positive feedback on terms, easy to use app and great benefits.
Trustpilot – 1.3/5 (based on 2,151 reviews)
Google Reviews – no reviews
Reviews.co.uk – 1.0/5 (based on 5 reviews)
Review Centre – 1.4/5 (based on 212 reviews)
Smart Money People – 4.13/5 (based on 444 reviews)
How To Apply For A Barclaycard Credit Card?
You can apply for Barclaycard’s credit and charge cards online through their website.
Pros
- Offers a choice of credit and charge cards
- Provides a range of benefits with each of their cards including cashback and rewards
- Offers longer interest-free credit periods
Cons
- Fees and interest rates are high on some products
- Poor ratings on most customer review sites
Website: Barclaycard Credit Cards