Barclaycard Breathe

The card that can make combating climate change simple and affordable.

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)
Other rates Introductory Rate Monthly Interest Rate Annual Interest Rate
Purchases 5.9% on promotional travel purchases (excludes Transport for London) 1.167% 14.9%
Cash withdrawals n/a 2.075% 27.9%
Balance Transfers 0% for 12 months with a 2.5% fee on transfers made within 60 days of account opening on amounts up to £5,000 1.167% 14.9%
Interest free period

    Maximum 56 days on purchases if you pay in full and on time each month.

    No interest free period on balance transfers or cash withdrawals.

    This is subject to any interest free promotional offer.
Interest charging information

You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise interest will be charged over the following periods:
Purchases From transaction date Until paid in full
Cash withdrawals/Cheques From transaction date Until paid in full
Balance transfers From date of debit from your account Until paid in full
 

Even if you pay the balance in full, the interest charge for the period from the previous statement to the date of full repayment will be debited the following month.
Allocation of payments Payments you make will reduce your balance in the following order:
  1. Promotional balance transfers and fees
  2. Promotional purchases
  3. Interest, fees and charges
  4. Standard rate purchases and balance transfers
  5. Cash Balance
Minimum monthly repayment

2.25% or £5, whichever is greater. If you only make the minimum payment it will take longer and cost you more to clear your balance.

Amount of credit

Minimum credit limit £250, maximum subject to status. We may restrict the amount of cash that you can withdraw.

Fees

No annual fee
Charges
  • Cash: 2.5% (min. £2.50)
  • Balance transfers and cheques: 2.5% unless we tell you otherwise
  • Overseas transactions: 2.75%
  • Copies of statements: £3.00
  • Copies of transactions: £5.00
Default charges
  • Late payment fee: £12
  • Over credit limit fee: £12
  • Returned payment: £12

You can avoid additional charges. Please stay within your credit limit and ensure that your payments are received on time.

Pay less interest by repaying more each month.

The example below assumes the following:

  • £1,000 purchase on 1st January 2008 and no further transactions made
  • Typical rate of 14.9% APR variable is charged.
  • Credit limit is not exceeded.
  • Minimum repayment of 2.5% or £5 (whichever is the greater) is made.
  • Payment is made each month on payment due date.
  • Calculation excludes payment protection insurance.
Monthly Repayment Minimum repayment each month £50 each month £100 each month
How much interest will be charged in the first year? £134.50 £115.76 £82.42
How much interest will be charged in the second year? £118.37 £44.54 None
How long would it take to clear the balance? 17 years 3 months 2 years 2 months 1 year 1 month

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.