Barclaycard FlexiRate

The Barclaycard FlexiRate is a brand new card with a brand new way of deciding your interest rate: pay more each month to get a better rate.

Pay the minimum 2.25% and you be charged the standard interest rate of 14.9% typical APR, but if you can afford to pay more the rate will drop to as low as 9.9%.

The card also features a balance transfer offer of 0% for 14 months with no transfer handling fee, and you can opt to receive free payment reminders by SMS text 5 days before your payment becomes due.

Flexi-Rate Card Details

Standard Rate:14.9% Representative APR (variable)
Balance Transfer Deal?0% APR for 14 months (2.5% transfer fee applies)
Purchases Deal?0% APR for 3 months
Minimum Balance Transfer Fee:£2.50
Maximum Balance Transfer Fee:No maximum charge
Introductory Cashback
Standard Cashback-
Rewards Program-
Annual Fee:-
Interest Free Period:Maximum 56 days on purchases
Minimum Repayment:The greater of 2.25% or 5
Minimum Credit Limit:250
Maximum Credit Limit:Subject to status
Notes:Pay more each month to get a lower interest rate
Representative Example:Assumed borrowing of £1200, representative 14.9% APR (variable). Purchase rate 14.9% PA.


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