Do you simply want to own a credit card but you don't know which one to choose? There is a well-rounded credit card for first-time cardholders that have access to a wide variety of benefits and perks.
Barclays credit cards have one of the most highly recommended credit cards for first-timers. The Barclaycard Platinum Credit Card is a credit card that you can use every day to pay for purchases and many other things.
If you are interested in applying for the Barclaycard Platinum Credit Card learn how to apply online in this article.
Key Features of the Barclaycard Platinum Credit Card
Barclaycard Platinum Credit Card is a well-balanced credit card meant for everyday use, especially for those who want to own a credit card for the first time.
This credit card lets you understand the basics of owning a credit card and lets you practice the responsibility of becoming a credit cardholder. Cardholders also get to enjoy rewards when using the card, such as five months of free Apple Music, Apple TV+, and other paid subscriptions.
You'll also receive 15% cashback when you spend at partner retailers once you sign up for the Barclaycard Cashback Rewards program. The best part about owning a Barclaycard Platinum Credit Card is that you'll get zero interest for up to 3 months on all of your purchases.
Things to Note When Using the Barclaycard Platinum Credit Card
While the Barclaycard Platinum Credit Card is a great all-rounder card, there are a few things to note know when using it.
This credit card is only available for customers who are new to Barclaycard. Once accepted, you will need to stay within your credit limit or you may be withdrawn from promotions.
You must be disciplined when it comes to using this card so that you can make the most out of the 0% introductory deals. When making balance transfers, the total amount should not exceed at most 90% of your allocated credit limit.
Check Out the Annual Fees and Other Charges
The Barclaycard Platinum Credit Card offers no annual balance transfer rate but you still need to be careful when doing balance transfers with your credit limit.
You will need to shift your debt within 60 days of you've opened your account to qualify for the 0% balance transfer rate. Once the period expires, the remaining debt on the card will have an interest rate of up to 22.9%.
You'll also receive a 56-day interest-free period on purchases. Make sure that you pay your balance in full during this period to keep this period valid.
If you do fail to pay on time, you'll have to pay a penalty fee of £12 and your credit score might also suffer.
Get Access to Exclusive Entertainment and Travel Offers
The Barclaycard Platinum Credit Card offers even more than just rewards from cashback. You'll get exclusive access to entertainment such as concerts and other selected live events by letting you purchase tickets earlier.
Cardholders can expect to be treated like VIPs when they arrive at the event. You'll get customer-exclusive perks such as VIP seats and complimentary drinks as well.
When using a credit card, you also have travel offers where you can travel in style and leisure. Furthermore, you don't have to worry about anything during your vacation as the card already has everything covered.
How to Manage Your Barclaycard Platinum Credit Card Payments
When it comes to payments, Barclaycard Platinum Credit Cardholders need to be very responsible. You are required to pay on time always and if you can, pay your balance in full.
To manage their card payments, cardholders are required to register an online Barclaycard account where they can check their digital statements. Here, you can review statements and other transactions on your account.
You also have the option to switch to paper statements if you prefer to do so but it is highly advised that you make an online account.
Pros and Cons of Barclaycard Platinum Credit Card
The Barclaycard Platinum Credit Card is one of the best for balance transfers and purchases. It has one of the longest 0% balance transfer durations out of all credit cards.
And with perks and benefits such as Apple subscriptions and early access to live events through Barclaycard Entertainment, you're surely going to have the best time using this credit card.
The only downside to this card is that it is only available to first-time Barclaycard users, and some cardholders might be put off by the higher APR.
Go Through the Eligibility Checker Before Applying
If you're interested in applying for the Barclaycard Platinum Credit Card, it is highly recommended that you go through their eligibility checker.
This is part of the application process where they will check your background and see if you are fit for the credit card. This process does not leave any marks on your credit report and does not affect your credit score.
For further inquiries about the eligibility checker and the card, you can contact the bank at 0011 44 1604 234234 or visit their main office at Barclaycard House, 1234 Pavilion Drive, Northampton, NN4 7SG.
How to Apply for the Card
The application process for the Barclaycard Platinum Credit Card is rather easy once you're done with the eligibility checker.
Visit the official Barclaycard website and select the Barclaycard Platinum Credit Card then click on "Apply Now". Provide basic details like your name, age, address, and any other information in the required fields.
Be careful to enter all your personal details completely and review the terms and conditions before submitting. Your credit limit will depend on your credit score.
Conclusion
If you're looking for a day-to-day credit card with lots of perks and advantages, check out the Barclaycard Platinum Credit Card. Not only is it great for first-time cardholders, but it also teaches the responsibility of becoming a great credit card user.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s terms and conditions page for more information.
