Barclaycard Has Some Interesting Balance Transfer Options
If you’re in need of a Barclaycard balance transfer, you’ll find their current offerings below. I have compiled of list of all their offers if you need to transfer credit card debt from another issuer, such as Chase or Citi.
Barclaycard actually has a no fee balance transfer credit card in its Ring card, though it’s not what you might expect. The APR isn’t 0% or even close to it. Instead, it’s set at a “low” 8.25% APR, which is also variable. The upside is that it’s not an introductory rate, so it will only increase (or decrease) when the prime rate does.
They’ve also got a whole line of “NFL Extra Points Credit Cards” for the NFL team of your choice that come with 0% introductory APR for 15 billing cycles on balance transfers made within the first 45 days of account opening.
In other words, you can get a San Diego Chargers version of the card and transfer your existing card balances to the 0% APR card and pay no interest for a year and three months. Not too bad. However, there is a balance transfer fee of 3% (minimum $5) for each transfer.
Interestingly, you also get 0% APR for six billing cycles on NFL game tickets purchased from a participating NFL team ticket office. Not that you want to mix up purchases and balance transfers on the same card, at least in my humble opinion.
Current Barclaycard Balance Transfer Offers
Barclaycard CashForward World MasterCard – 0% APR for 12 months on purchases and balance transfers, balance transfer fee is 3% of each balance transfer amount, no less than $5. No annual fee.
Barclaycard Arrival Plus World Elite MasterCard – 0% APR on balance transfers for 12 months, 3% balance transfer fee ($5 minimum), $89 annual fee, waived first year.
Barclaycard Arrival World MasterCard – 0% introductory APR for first 12 billing cycles on balance transfers, $0 annual fee, 3% balance transfer fee with a $5 minimum per transfer.
Barclaycard Ring MasterCard – 0% APR for 15 months with no balance transfer fee and no annual fee. This is far and away the best and only no-fee balance transfer option from Barclaycard.
JetBlue Card from Barclaycard – 0% introductory APR for the first 12 billing cycles for each balance transfer posted to your account within 45 days of account opening, 3% balance transfer fee ($5 min) and $0 annual fee.
JetBlue Plus Card (JetBlue Plus World Elite MasterCard) from Barclaycard – 0% intro APR for the first 12 billing cycles for each balance transfer posted to your account within 45 days of account opening, 3% balance transfer fee ($5 min) and $99 annual fee.
NFL Extra Points Credit Card (team of your choice) – get 0% APR for 15 billing cycles on balance transfers made during first 45 days of account opening, 3% balance transfer fee ($5 min) and no annual fee.
Wyndham Rewards Visa Card – 0% APR for 15 billing cycles on balance transfers, 3% balance transfer fee ($5 min), $69 annual fee. Cardholders can earn 30,000 Wyndham Rewards Points for first purchase or balance transfer.
Wyndham Rewards Visa Signature Card – 0% APR for 15 billing cycles on balance transfers, 3% balance transfer fee ($5 min), $0 annual fee. Cardmembers can receive a one-time $25 statement credit if a balance transfer posts to their account within first 30 days after account is opened. This can potentially offset all or some of the balance transfer fee!
Those are the Barclaycard balance transfer offers currently available. They can come in handy if you need to transfer credit card debt from another major issuer because you can’t transfer within the same bank. So if you don’t already have a credit card issued by Barclaycard, one of the above cards could be a good option.
(photo: Elliot Brown)