BUSINESS CREDIT CARDS 

Representative Example

Representative Example: If you spend £1,200 at an annual interest rate of 21.9% (variable) with a £32 annual Fee your Representative APR will be 21.9% (variable).

Acceptance Criteria

1. You, in the past 5 years, have not been declared bankrupt, been refused credit or have any county court judgments outstanding
2. You are not more than two months in arrears with any payments or you have been part of any repayment plan in the last 5 years
3. Your expected gross income in the next 12 months is more than £10,000

Advantages

1. 0% interest on purchases for 3 months¹ gives you extra cashflow and maintains your spending power
2. 21.9% APR Representative (variable) Barclaycard business credit card is subject to application and status
3. Flexibility to carry your balance Option to carry your balance over from one month to the next
4. Up to 56 days of interest-free credit from the date of transaction when your balance is paid in full and on time – which gives your cashflow even more breathing space
5. 25% off training with Reed Learning
6. 15% of stationery with Ryman
7. Up to 55% off usual membership rates with The AA

Disadvantages

Representative Example

Acceptance Criteria

Advantages

Disadvantages

Representative Example

Not available

Acceptance Criteria

1. I am aged 18 or over
2. I have a current UK bank or building society account
3. I have a permanent UK home address
4. I have a household income of at least £20,000
5. I have no history of bad debt
6. And if self‐employed, I have been working for more than one year
7. If you satisfy these requirements, an application takes less than 10 minutes and you can get a response in 60 seconds – so apply now for your Preferred Rewards Gold Card

Advantages

1. First year bonus‐ double Membership Rewards points when you buy your everyday purchases.
2. Travel Inconvenience Benefit‐ £200 for meals or hotels if your flight is delayed for over 4 hours. Or if you're left without luggage for more than 6 hrs, get up to £750 for toiletries and clothes
3. Travel Accident Benefit‐ up to £250,000 in the event of loss of life, sight or limb when public transport travel tickets are charged on the Card
4. Purchase Protection Benefit‐ if something you bought with your Card gets stolen or damaged within 90 days of purchase, reimbursement for  repairing or replacing it up to a maximum of £2,500 per eligible item
5. Refund Protection Benefit‐ reimbursement for unwanted items bought with the Card within 90 days of purchase, up to a maximum of £300 per item
6. 24hr Customer Care
7. Accepted Worldwide

Disadvantages