Halifax Credit Card

Halifax - the bank with the famous tagline – “who gives you extra, we, we do!” - are one of the best known banks in the UK financial market. With a reputation of challenging the top banks with their competitive financial products so a Halifax credit card should be an attractive proposition.

And off course it is. The Halifax One Credit Card is one of the most competitive in the market. The Halifax introductory rate on balance transfers is 0%. This lasts for 12 months- one of the longest periods available. And it doesn't just apply to balance transfers. You can also enjoy huge discount on purchases that are also charged at only 0% for the first 9 months. This is one of the best 0% introductory rates on purchases and balance transfers available. And it's not just a good introductory rate. The Halifax One card charges only 12.9% APR after the promotional period making it one of the best value cards around. You also get 0.25% cashback on everything you spend.

Details of Halifax credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	12 months
Standard APR	12.9%
Monthly Rate	1.016%
Cash Advance APR	25.4%
Cash Advance Fee	2% (Min £2.00)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	£50,000
Free Purchase Protection	60 Days, £50 - £2,500
Foreign Usage Fee	2.75%

Other Halifax One Credit Card Features and Benefits

• 9 Month 0% on Balance Transfers and Purchases
• Low standard rate
• cash back
• Free Purchase Protection
• Visa or MasterCard
• 24hr Customer Service Line
• Full online account management

Halifax One Credit Card Review Summary The Halifax One credit card is perhaps the most competitive credit card available in the UK. Its combination of long introductory period, low standard APR and cashback on purchases makes this one of the best all round cards anyone can get. You really cannot get a better card in the UK at the moment and gets the Credit Card Expert 5 Star rating. (Please note Halifax now charge a 2% handling fee on balance transfers)

Link to previous articles: Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card Mint Credit Card

GM Platinum Credit Card

The GM Platinum credit card is one of the most popular credit cards available. The most striking feature of this GM Credit card is the points benefit programme and it is the most valuable programme offered by any card in the UK.

For every £100 you spent on the GM platinum card, it rewards you with £3 back in rebate points which could get you up to £2,000 off a brand new Vauxhall car or up to £2,500 off a new Saab car.

You also get 100 rebate points the first time you use your card. Its issued by HFC Bank one of the largest credit card issuers in the UK. They have a 24 hour customer service line that allows you to make changes to your account any time of day or night as well as the ability to manage all your account spending online. Normally cards with strong reward schemes have high interest rates but the GM Card is one of the most competitive on the market. They offer an excellent rate of 0% for 5 months, not only on balance transfers like some credit cards but also on purchases. The standard rate is only 14.9% APR (typical) making this a fantastic all round package.

Details of GM Platinum credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	5 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	5 months
Standard APR	14.9%
Monthly Rate	1.167%
Cash Advance APR	18.9%
Cash Advance Fee	1.75% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	£3 per £100 spent
Travel Accident Insurance	£250,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other GM Platinum Credit Card Features and Benefits

• £3 reward points for every £100 spent on the card
• Safe Shopping Promise
• Free travel accident insurance
• 24hr Customer Service Line
• Full online account management
• Decision in 60 seconds when you apply online
The GM Platinum credit card has the highest value reward scheme available in the UK. On its own this would be enough to recommend it but it also has market leading interest rates. 0% on balance transfers and purchases cannot be beaten and the standard rate of 14.9%. You can also manage your account online and still receive a monthly statement through the post. You can apply online now and get a decision in 60 seconds.

GM Platinum Credit Card Final Review Summary The Egg credit card is one of the highly recommended cards in UK . It has consistently offered some of the most competitive rates in the UK market and especially features like the 0% balance transfer and purchases offer. The standard rate of 16.9% APR is also highly competitive. The online account management tool is great and its easy to apply for online.

Link to previous articles: Egg Credit Card British Airways Credit Card BT Credit Card HSBC Credit Card Virgin Credit Card American Express Gold Credit Card

BT Credit Card

British Telecom or BT are the most common household name in the United Kingdom – they are the largest telecoms supplier in the UK and they have tied up with MBNA to offer a credit card that can save you money on your BT bill. With the majority of the UK being BT phone users this should offer the opportunity for many people to make some great savings.
As well as the opportunity to save on your BT bill the BT credit card offers really competitive and great rates. You get 0% for 12 months on balance transfers (3% fee) and 0% for 3 months on purchases, combined with a standard rate of 16.9% APR. As compared to other cards, the APR of 16.9% is a bit higher but if you pay your monthly bills on time, then there is no need for you to worry about it.

Details of the BT Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 months
Introductory Purchases	0%
Monthly Rate	0%
Period	3 months
Standard APR	16.9%
Monthly Rate	1.3133%
Cash Advance APR	22.9%
Cash Advance Fee	3% (Min £3.00)
Minimum Payment Required	3% (Min £5)
Annual Fee	None
Loyalty Points	BT
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other BT Credit Card Features and Benefits

• No annual fee on your BT credit card
• Manage your Account online for your BT credit card
• Sav on your BT bill by paying through your BT credit card
• 24 hr customer service

BT Credit Card Final Review Summary The BT credit offers though has somewhat higher rates, but yet competitive, as well as a good reward scheme so if you are a BT customer this could be a good card for you.

Link to previous articles: HSBC Credit Card Virgin Credit Card American Express Gold Credit Card American Express Red Credit Card Alliance and Leicester Credit Card BMI Classic MasterCard

AA Credit Card

The AA Credit Card is offered by the reputed AA, the UK's biggest roadside recovery company. Beyond their recovery business, in recent years AA have expanded into finance and offer insurance, loans and now they have come out with a credit card.
The AA Card offers 0% on balance transfers for first 9 months and a standard APR of 15.9% (typical). One also earns reward points on every transaction you do on AA credit card which can be used for cash-back or discounts on a host of AA products. Used wisely it could save you a lot of money on your home insurance, car insurance or Roadside recovery membership. Another benefits is that as a bonus you receive 1,000 points when you activate your card. You earn 1 point for every pound you spend on the card and you can save up to £50 on home or car insurance. Or convert your points into cashback at a rate of 0.5%.

Details of AA Credit Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	9 Months
Introductory Purchases	n/a%
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	22.9%
Cash Advance Fee	2.5% (Min £3.00)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	AA Discounts or cashback
Travel Accident Insurance	None
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other AA Credit Card Features and Benefits

• Earn points for discounts on AA products using the AA credit card
• Cashback on every transaction done through AA credit card
• 24hr Customer Service Helpline
• Full online account management – internet account
• 1,000 points free when you activate the card worth £10 off AA products

AA Credit Card Final Review Summary

The credit card from AA offers one of the best introductory interest rates available on balance transfers. The AA Credit Card has a good initial balance transfer offer of 0% for 9 months and a competitive standard APR of 15.9%. Combined with the chance to earn good discounts on your home and car insurance or cashback, this card offers a great deal. Use it wisely and it will save you dozens of pounds, provided you are interested in AA products.

Link to previous articles: HSBC Credit Card
Virgin Credit Card
American Express Gold Credit Card
American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard

American Express Gold Credit Card

The American Express Gold credit card is an innovative credit card introduced by the trusted American Express or Amex, in short. Very commonly known for their popular charge cards, Amex have now introduced a useful and featureful credit card – called the Gold Credit card. Amex Gold card is one of the best offerings from the American Express Card suit.

This is one of the fantastic cards with the reputed backing of American Express. The rates on offer on this product are very competitive as per the UK markets and the offer as great balance transfer rate of 0% for 6 months on any balances transferred to the card which could save a great deal of money to a person having and using this card. The standard rate of only 12.9% is also one of the best in the UK markets. You do need a minimum income of £20,000 to apply for the card, which is one of the constraints of being eligible to apply for this card..

America Express also guarantees that there will be no annual fee on the Amex Gold card ever. You also get up to 1% cashback on everything you buy with the card making this a great all round proposition.

Introductory Balance Transfers	0% (9.9% after 6 months)
Monthly Rate	0%
Period	6 months
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12.9%
Monthly Rate	1.02%
Cash Advance APR	14%
Cash Advance Fee	1.5% (Min £1.50)
Minimum Payment Required	3% (Min £5)
Annual Fee	None (Subject to minimum spend)
Loyalty Points	1% Cash Back
Travel Accident Insurance	£150,000
Free Purchase Protection	90 Days, up to £50,000
Foreign Usage Fee	2.73%

Other American Express Gold Credit Card Features and Benefits
• 0% Balance Transfers
• Free Purchase Protection
• Free Travel Accident Insurance
• Low standard rate
• Online account management
• 1% Cash Back on all spend

American Express Gold Credit Card Review Summary
The American Express Gold credit card is a decent value offer from one of the most reputed financial organizations of the world. The balance transfer rate of 0% for 6 months is excellent and the standard rate of 12.9% is much lower than most credit cards. The standard rate of 12.9% is very low and attractive enough for a day to day use credit card and it has a great big list of added value benefits. You have a nice and healthy credit limit and you can use this card to buy additional costly stuff, provided you are aware of your pay back situation and financial obligations.

Link to previous articles: American Express Red Credit Card
Alliance and Leicester Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card

MBNA AOL Rewards Credit Card

Welcome to Card Karma the Credit Card that finally gives back every time you spend, you really shall receive something in return. From cash & vouchers to wining and dining rewards, you really do have the greatest choice of rewards you have ever seen and once you have made your first purchase you will receive 1,600 bonus AOL Reward Points.

• Spend and you shall receive - earn 1 AOL reward point for every £1 spent on anything, including day-to-day purchases such as food, petrol & bills.

• Access to specially negotiated discounts, privileges and opportunities to earn bonus Reward Points through MBNA RewardsPlus partners, AVIS, CD WOW!, Habitat, and Macdonald Hotels & Resorts.

• Green Rewards - use your card to help the environment! Redeem points against organic and Fair Trade products including wine and chocolate.

• Take advantage of the VIP Travel Service with great offers through MBNA TravelPlus, including up to 30% off brochure prices on flights, hotels, long haul holidays, cruises, city breaks, car hire and airport parking.

• Enter Exclusive Prize Draws where you can win tickets to an AOL Session or an event at the O2 venue.

• Access to the American Express SelectsSM programme offering you the best global shopping, leisure and dining offers.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 16.9% APR (variable)(1.3133% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	16.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.3133% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

MBNA Platinum Rewards Credit Card

Earn Reward points* when you shop and redeem them against flights, shopping vouchers, cash and much more…
• Great rates and great rewards.

• 0% p.a. on balance transfers for nine months from the date your account is opened (3% handling fee).

• 0% p.a. on card purchases for nine months from the date your account is opened.♠

• Typical rate 15.9% APR (variable).

• Access your account online to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for nine months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for nine months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on:	cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Classic Credit Card

Barclaycard Graduate Credit Card

If you're graduating from university, this card is designed to help you go places.

Suits you if you:

• Are graduating from college

• Are 21 or over

• Have a permanent UK address for 3 months or more

• Have a regular income of more than £10,000 pa

• Don't already have a Barclaycard or are upgrading from a Student Barclaycard

• Haven't missed multiple payments on a credit agreement within the last 12 months

• Don't have a CCJ,IVA or have not been registered bankrupt

0%

on balance transfers for 9 months (2.5% handling fee applies)
Receive a return flight to any of 12 European destinations when your application is accepted*. It's a special offer for your graduation to help you see a bit of the world before you make your mark on it. (*Terms and conditions apply. Limited offer, taxes not included)
Credit limit up to £4000

19.9% APR typical (variable)

People choose Barclaycard because all customers enjoy:
• No annual fee

• Identity Protection Service – advice about protecting yourself from identity theft

• Safer shopping with Fraud Protection – including chip and PIN, and watching for unusual spending on your account

• Purchase Delivery Protection – protecting your online, phone or mail orders against loss or damage, from despatch to door (excludes second-hand goods and services)

• Emergency help when travelling abroad

• Great holiday deals with our Travel Service

• Convenient online account management

• Emergency cash advance and credit card replacement service

• Text alerts five days before payment is due (opt in required)

• 24 hour helpline

* Terms and conditions apply to all benefits

Important details

Barclaycard reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets. If you have any particular requirements concerning communications with Barclaycard or use of your credit card arising from a disability please contact us on 0845 7660 758 before completing the application.

Link to Previous article : Barclaycard Football Credit Card

Barclaycard Football Credit Card

Barclaycard Football is dedicated to the game you've devoted your life to. It's more than a credit card, it's a football rewards card that gets you closer to the game you love.

Great Rates

0% on your season tickets (purchases above £250)
0% on balance transfers for 12 months from account opening (2.5% handling fee applies)
14.9% APR Typical Variable

Amazing Rewards

Earn reward points at selected retailers which can then be redeemed for club vouchers, club merchandise and Barclays Premier League match tickets

Exclusive Experiences

Get ongoing access to once in a lifetime football experiences and exclusive offers

Match Tickets

Win a pair of tickets to see the Barclays Premier League team of your choice every month

Suits you if you:

• Are a football fan

• Have a good credit history

• Are 21 or over

• Have a permanent UK address

• Aren't a student

• Have a regular income

Summary Box:

It's good to know the plain facts about your Barclaycard. This Summary Box gives you clear information about the key features of your card.
APR Typical 14.9% APR (variable)

Pay less interest by repaying more each month.

The example below assumes the following:
• £1,000 purchase on 1st January 2007 and no further transactions

• Typical rate of 14.9% APR variable is charged

• Credit limit is not exceeded

• Minimum repayment of 3% or £5 (whichever is the greater) is made

• Payment is made each month on payment due date

• Calculation excludes payment protection insurance

Cancellation rights
You have a right to cancel this agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation, you may be required to pay interest or other charges under the terms of this Agreement.
Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.
Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP

Balance Transfer Terms & Conditions:

1. Barclays reserve the right to refuse a balance transfer or to limit the amount that can be transferred, in any case the minimum is £250 and the maximum will be £5,000 or 90% of your credit limit, whichever is lower, subject to the available credit limit on your account. Should we honour amounts in excess of your balance transfer limit they will be debited to your account and charged at 6.9% interest p.a., until paid in full, with no handling fee.

2. A 2.5% handling fee will be applied to each 0% interest balance transfer you make.

3. We are unable to accept transfers from cards or loans issued by companies within the Barclays Group.

4. If you choose to close your account with other lenders, please notify them in writing.

5. You should continue to make payments to your other lenders until we have confirmed that the balance has been transferred.

6. Your monthly repayments will reduce your promotional balances first (longest duration first), so you will be charged interest (where it applies) on other balances and new spending whilst your promotional balances are paid off. Obviously the more you pay back, the quicker your balances will be paid off.

7. If you do not make at least the minimum payment by the payment due date or if you exceed your credit limit at any time we will remove the promotional rate and charge at your standard interest rate (typical rate 14.9% APR variable).

8. This balance transfer offer is only available when you apply online on this application form.

9. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account.

Link to previous article Barclaycard Initial Credit Card

Barclaycard OnePulse Credit Card

Barclaycard OnePulse is the only card to offer an Oyster card, Credit card and Cashless all in one card.

Suits you if you:

• Live, work or travel around London

• Have a good credit history

• Are 23 or over

• Have a permanent UK address for 3 months or more

• Have a regular income of more than £15,000 pa

• Haven't missed multiple payments on a credit agreement within the last 12 months

• Don't have a CCJ,IVA or have not been registered bankrupt

• Aren't a student

0% interest

on purchases for 6 months from account opening

In-built Oyster card

for the easiest way to travel around London
Go cashless with OneTouch payments a new and quick way to pay for purchases of £10 and under

14.9% APR typical (variable)

How the card works

Think of your Barclaycard OnePulse as having a built-in Oyster card in addition to your standard credit card and cashless payment, so you can move faster and shop smarter.
Before you use your card for Oyster travel, you need to pre-load your card with either a season ticket (e.g. a Travelcard or a bus pass) or pay as you go.
To make cashless purchases with OneTouch payment for purchases of £10 and under, simply hold your Barclaycard OnePulse card next to the secure reader at participating merchants and your transactions will be complete in a matter of seconds. That’s all it takes. No need to enter your PIN1. No counting cash, No messing.

Oyster card

• Built in Oyster card – the simplest way to travel around London by buses, the Tube, trams or DLR.

• Your Barclaycard OnePulse can be used in exactly the same way as a standard Oyster card.

• Set up Auto top-up from your Barclaycard OnePulse and we’ll automatically top up your Oyster pay as you go with £40 or £20 whenever it drops below £5. This means you will never have to top up your Oyster pay as you go again.

Credit card and Cashless

• It works as a standard credit card allowing you to shop with confidence and all the value, flexibility and security you’d expect from Barclaycard.

• Cashless is the new quick and easy way to pay for purchases of £10 and under using OneTouch payment wherever you see the wave symbol.

• Your normal credit card and OneTouch transactions will be debited directly from your Barclaycard.

People choose Barclaycard because all customers could enjoy:

• No annual fee

• Identity Protection Service – advice about protecting yourself from identity theft

• Safer shopping with Fraud Protection on credit card transactions – including chip and PIN, and watching for unusual spending on your account

• Purchase Delivery Protection – protecting your online, phone or mail orders against loss or damage, from despatch to door (excludes second-hand goods and services)

• Emergency help when travelling abroad

• Great holiday deals with our Travel Service

• Convenient online account management

• Emergency cash advance and credit card replacement service

• Text alerts five days before payment is due (opt in required)

• 24 hour helpline

Important details

Barclaycard reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets. If you have any particular requirements concerning communications with Barclaycard or use of your credit card arising from a disability please contact us on 0845 7660 758 before completing the application.

Link to previous article Barclaycard Platinum with Cashback

Barclaycard Platinum with Cashback

Enjoy some breathing space. You'll pay no interest on balance transfers for 12 months.



Suits you if you:

• Are looking to transfer your balance to a new credit card

• Have a good credit history

• Are 21 or over

• Have a permanent UK address for 3 months or more

• Have a regular income of more than £10,000 pa

• Don't already have a Barclaycard

• Haven't missed multiple payments on a credit agreement within the last 12 months

• Don't have a CCJ,IVA or have not been registered bankrupt

• Aren't a student

0% interest

on balance transfers for 12 months from opening your account (2.5% handling fee applies)

2% cashback

on supermarket and petrol (up to £15 per month)

0.5% cashback

on all other spending

14.9% APR typical (variable)

People choose Barclaycard because all customers could enjoy:

• No annual fee

• Identity Protection Service – advice about protecting yourself from identity theft

• Safer shopping with Fraud Protection – including chip and PIN, and watching for unusual spending on your account

• Purchase Delivery Protection – protecting your online, phone or mail orders against loss or damage, from despatch to door (excludes second-hand goods and services)

• Emergency help when travelling abroad

• Great holiday deals with our Travel Service

• Convenient online account management

• Emergency cash advance and credit card replacement service

• Text alerts five days before payment is due (opt in required)

• 24 hour helpline

* Terms and conditions apply to all benefits

Important details

Barclaycard reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets. If you have any particular requirements concerning communications with Barclaycard or use of your credit card arising from a disability please contact us on 0845 7660 758 before completing the application.