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Barclaycard romps to top of 0% purchases table

12-month interest-free credit card offers cashback

Barclaycard logo

Barclaycard has lengthened the 0% period on its Platinum With Purchase Visa credit card to 12 months, taking it to the top of the Which? Best Rate table for 0%-on-purchases deals.

Purchases made on the card attract no interest for the first 12 months, after which they revert to the card’s standard APR, currently 15.9%. The credit card also offers a 0% balance transfer period of 10 months, with a balance transfer fee of 2.9%.


Barclaycard cardholders will automatically earn cashback of 1%, called ‘Reward Money’, when they use their card for new purchases with certain retailers. Companies signed up to the scheme include Pizza Express, YO! Sushi and Goldsmiths. Reward Money can be either knocked off the next purchase at a retailer within the scheme, or can be saved up for future use.

Spread the cost 

Which? credit card expert Martyn Saville commented: ‘If you’re planning a large purchase, this card is an excellent way to spread the cost, interest-free, over 12 months, at the same time as earning cashback on your spending.

‘If you’re really organised, you could put all your weekly shopping on the card as well and put the cash you would have spent into a Best Rate savings account, ready to pay off the balance at the end of the year. So long as you make the minimum repayment each month and have enough put aside to repay the balance in full at the end of the 12-month period, you’ll have paid no interest on the credit card, you’ll have earned interest on your savings and you’ll have built up a nice bit of cashback to treat yourself.’

Which? Best Buy credit cards

If you need advice to help you choose the best credit card for your needs, read the free Which? guide to choosing a credit card.

Once you know the best type of card for you, check out Which? Best Rate credit cards to find the most competitive deal available today, whether it’s a cashback card, a card offering 0% on purchases or the longest 0% deal on balance transfers.

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