Barclaycard Breathe
From Barclaycard
Summary
Barclaycard Breathe is provided by Barclaycard.
The representative APR is 16.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 10 months.
This makes Barclaycard Breathe a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
The representative APR is 16.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 10 months.
This makes Barclaycard Breathe a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
How long will it take to repay with the Barclaycard Breathe
Balance transfer
Purchases
Fixed payment
By switching to the Barclaycard Breathe, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take 18 years and 11 months to repay, costing you a total of £2,197 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Rates & Charges
Introductory rates
Balance transfers
0% for 10 months 54 cards better than this
Balance transfer fee
Purchases
Not available
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
3%
Balance transfer limit
Unknown
Cash advance rate
27.9%
Fees and Charges
Annual fee
£0
Cash advances
2.5% or £2.5 minimum 25 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
21
Minimum income
£15,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
56 days
Interest-free period on cash advances
None
Time to make payment after statement date
56 days
Minimum payment
2.25% of balance or £5
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
Barclaycard Freedom Customers will automatically earn Reward Money via purchases at selected retailers. Reward Money is earned at 1% of the purchase price from eligible purchases. Reward Money can be redeemed at any of the selected retailers at point of sale.collapse
Rewards Shopping Descriptions
A range of discounts, special offers and 2 for 1 deals are available from retailers including the following: CD Wow Thomas Cook Thomas Cook Publishing Avis Centre Parcs Buyagift.com Laithwaites Domino's Pizza Emirates Ticketmaster Leisure Voucherscollapse
Better deals on balance transfers
Better deals on purchases
