Barclaycard 'Simplicity'
Barclaycard say 'Simplicity is not having to transfer your balance again', as their card offers a permanent low rate of 6.8% typical APR for purchases AND balance transfers.
This is not an introductory offer, and it won't run out in 6 months time leaving you with a sudden jump in interest rates.
One thing to bear in mind is that to qualify you'll need an 'excellent' credit history according to Barclaycard, which may put some people off applying.
Nonetheless, for everyday use this card is hard to beat in terms of sheer value for money, and with balance transfer offers increasingly difficult to come by, settling for a permanent low balance transfer rate might well make a lot of sense.
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Barclaycard Simplicity In Brief
| Standard Rate: | 6.8% typical APR (variable) |
| Balance Transfer Deal? | 6.8% APR for the life of the balance |
| Purchases Deal? | No offer on purchases |
| Introductory Cashback | |
| Standard Cashback | - |
| Rewards Program? | Barclaycard Freedom |
| Annual Fee: | - |
| Interest Free Period: | Maximum 56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash advances, cheques or balance transfers |
| Minimum Repayment: | 2.25% or £5 per month (whichever is greater) |
| Minimum Credit Limit: | £250 |
| Maximum Credit Limit: | Subject to status |
| Notes: | Offering a single low rate for both purchases and balance transfers - no intro period |
