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Barclaycard Financing Visa Credit Card
By:
Barclays
Info about the Barclaycard Financing Visa Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Aug 3, 2020
Review: Barclaycard Financing Visa Credit Card
- Dangerous financing vehicle. Yes, the Apple Visa Card offers a 0% intro rate for new purchases that lasts anywhere from 6 - 18 months, depending on the cost of what you buy. But you should avoid taking them up on the offer, as the Apple Card uses a dangerous feature called deferred interest . That means if you pay your monthly bill even a day late or don’t repay every last penny of your balance by the time regular rates take effect, interest will retroactively apply to your entire original purchase amount – like the 0% rate never existed. Most retailer financing offers have this feature buried in the fine print, so you’re better off getting a 0% credit card from a bank if you have a big-ticket purchase coming up.
- No annual fee gives you options. The fact that the Apple Store Credit Card doesn’t charge an annual fee not only saves you $20 per year compared to the average credit card, but it also makes it easier to justify opening a new credit card just for Apple purchases.
- Double-check your creditworthiness. The Apple Credit Card requires good or excellent credit for approval, so make sure to check your credit score for free on WalletHub before applying.
Aug 3, 2020
Barclaycard Financing Visa Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| 0% for 6 - 18 months | Not Offered | 13.99% - 26.99% (V) |
|
Purchase Intro APR
|
0% for 6 - 18 months |
|---|---|
|
Transfer Intro APR
|
Not Offered |
|
Regular APR
|
13.99% - 26.99% (V) |
| ANNUAL FEE |
$0 |
|---|---|
| BALANCE TRANSFER FEE |
3% (min $5) |
Barclaycard Financing Visa Credit Card's Additional Info
| MAX LATE FEE |
$39 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
23 days |
| ONLINE RESPONSE |
Yes |
| CASH ADVANCE APR |
27.24% (V) |
| CASH ADVANCE FEE |
5% (min $10) |
| FOREIGN TRANSACTION FEE |
3% |
| SMART CHIP |
Yes, chip-and-PIN |
- Special financing on purchases made at Apple within the first 30 days of account opening.
- Deferred Interest Details: No interest if paid in full within 6, 12 or 18 months. Terms apply.
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Barclaycard Financing Visa Credit Card to our community.
Can I use my Barclaycard Financing Visa card anywhere? Reply 147
WalletHub
@WalletHub
You can use your Barclaycard Financing Visa wherever Visa is accepted.
And any other Barclaycard bearing the Visa or Mastercard logo can be used virtually anywhere plastic is accepted, too.
14
Upvotes
Can I pay off my Barclaycard Financing Visa deferred interest plan early? Reply 47
ASHLEY WADE
@shlee
You can pay your Barclaycard Financing Visa deferred interest plan early.
The card advertises “special financing on purchases made at Apple”, but you’re not getting a true 0% introductory APR offer.
So, for example, if you make a qualifying purchase of $999 or more, you’ll get 18 months to pay the balance without interest. That means you’ll owe no interest on your purchase only if you pay it off in full during the 18 months.
If any balance remains when the 18-month period ends, you’ll be charged interest retroactively for the full amount of the transaction, from the date of purchase. Try to avoid that, as it can be extremely expensive.
4
Upvotes
Why was my Barclaycard Financing Visa application denied? Reply 47
ARCHIE CONWAY
@ArchieBunker
There are many reasons why a Barclaycard Financing Visa credit card application was denied, and the issuer must and will provide those reasons. However, the main one can be not meeting the credit score requirements,
If you got denied because of your credit score, the credit card issuer, Barclays, would send a copy of the credit score and the top factors contributing to your credit score.
You could also be denied for a reason unrelated to your credit, like your income or employment history. Again, you will get a detailed explanation from the issuer.
4
Upvotes
Barclaycard Financing Visa Credit Card Reviews
Share your insights and review the Barclaycard Financing Visa Credit Card.
Apr 26, 2020
Easy to use, no touching cards (just your phone) or swipe/tap machines at vendors, 2% back (1% if physical card is used), after six months my limit was raised substantially so easy to keep monthly balance below 30% (that creditors like to see). Now this is my go-to card
Comment
Apr 09, 2020
Simple card statement with good rewards up to 3% on Apple Products, Nicely laid out payment calculator to avoid interest fees. Nice looking metal card.
Mar 09, 2020
Easy to use, easy to pay, I have everything in my wallet in my phone, they fraction the pays you have to do every month and you can easily see how much you will pay on interest, and how much you have toy pay with no interest charged
Mar 08, 2020
Very fancy card and Nice cashback. I’m loving the experience of using Apple Pay and my Apple Watch tomou-a my bills. I recommend it
Mar 01, 2020
It's a pretty good card. I love having customer service at my fingertips, but you depend deeply on the Apple ecosystem to use it. The titanium card is a pretty cool flex, but there's a lack of benefits when you use it.
I mostly use it only for the purchases that qualify for 3%.
I mostly use it only for the purchases that qualify for 3%.
Feb 21, 2020
Best card every for making payments and keeping up with the interest rates. Wish all cards were like Apple Card with its simplicity and ease of use. Also, I like the fact that my card number is not on the actual card and that I don't have to use the card in order to make a purchase. I feel safe using my Apple Card for my purchases.
Feb 18, 2020
Incredibly convenient and I especially love using the card where Apple Pay is accepted w/ 2% cash back. I love my Apple Card and would absolutely recommend to friends, family and the good people reading this.FYI this is the Goldman Sachs Apple Card I’m referring to.
Feb 08, 2020
I like that no numbers are on card for better security. App makes it very easy to keep up with all purchases, shows real name of store.
Feb 08, 2020
New card with new rewards. Based at 2% when used on the Apple platform. Great physical card that gets 1%. New Categories added regularly
Feb 01, 2020
Its the perfect card for all apple electronics, assecories, and products. You get cash back at a 1% or 5% depend on what you purchase.
Feb 01, 2020
This is a very useful card to have it if you’re an Apple user. You received 3% bonus is just for using Apple Pay or for purchasing Apple products which is quite a lot considering the prices of some of their products also they have no late fees or other annual charges but do you charge a rather high interest-rate
Dec 11, 2019
They told me that 18 month financing on apple product is not available year round and they have been charging me interest on iphone that i purchased. I had impression of 18 month interest free financing and now I have been charged interest.
Dec 11, 2019
The Apple Card ultimately sucks. Why? Because for over 2 months since opening it, I wasn’t able to make any purchases online despite having paid off in full and having the credit limits be well above the price of the online item I tried purchasing. Goldman Sachs tech support and higher level managers had no idea why and actually to this day have never notified me that they resolved the issue on their end.
Jun 25, 2019
I have had this card for over 3 years and they just gave me a stinking CREDIT INCREASE this month June 2019. Probably because I have always paid off my balance every month. They must do not like that STAY AWAY FROM THIS CARD!!!!
Jun 10, 2019
Terrible customer service. They closed my account without telling me and i caught it less than 30 days after close. They would not re-open my account, they wouldn't transfer my earned points to a new account, they would not provide a solution other than "apply again". My credit has actually suffered now because my massive available balance is now gone. I hate this company.
May 02, 2019
Do not use Barclay cards. I had two cards there for the last 18 years. I just had one dispute, and they have some rule that won't allow them to stick up for me. I canceled both cards and went to Citibank who did support me 20 years ago when I had my only other dispute.
Mar 15, 2019
This company is the absolute TERRIBLE. They manipulate, run you in circles and literally rob blind. WORST CUSTOMER SERVICE EVER AND WORST CARD TO HAVE.
Jan 05, 2019
This card is an abject fraud. The only selling point which is the deferred financing is an outright lie. Customer service reps will tell you that you are set to make purchases. Fast forward to the first bill then there is an interest charge. Call them and then they tell you how the purchase had to be made 2 days later. I hope this serves as fair warning to those that are in the process of obtaining this card and/or make an apple purchase. Rather than reversing an error(3.50) in my case they open a case. A billion dollar company will nickel and dime a consumer for 3.50 but remember that bad/negative insight from customers will cause loses of more than the aforementioned amount. I should have listened to consumers with similar problems. I am the fool however and accept responsibility for trusting the company.… show more
Oct 11, 2018
Barclays is a complete joke. Been with them for years and they just cancelled my card without any notification. Several declined charges and I had to call in, no explanation and terrible customer service.
Oct 06, 2018
I just got scammed by Barclays. I used their deferred payment plan for my Macbook. They do not indicate clearly from their statements when the full amount is due. It is very ambiguous. I interpreted their statement to mean the full amount was due Oct 14. They said it was due Sept 14 and charged me all the interest. The attitude of their customer rep was "nothing we can do". Barclays is not customer friendly as I have always found Apple to be. Watch out for any Barclays special offers.… show more
Sep 08, 2018
WORST CARD CUSTOMER SERVICE AND TEAM EVER. Paid off $1,970 within the allotted time period of free interest. Got no notice of $30 being remaining on my card when deferred interest was up. I had put other purchases on this card and paid off so much of them it's not even funny. They think it's okay to charge $580 interest on the original $2,000 purchase over $30. What literal trash and scum a company is to pocket $580 off $30. I will never support any Barclay card again after this incident.… show more
Nov 27, 2017
Do not get this card if you appreciate your credit score. I may charge it up but I have always kept it below the 30% mark and out if know where they knocked my credit limit down by 4500 putting me right at Bal available of 200. I am pissed me credit score took a hit. I pay them on time all the time. They stated based on the number of cards I have they lowered my limit. Bull I got a car and they lowered my limit. As long as I pay you off on time and more that is due why are you worried about my other credit. If you look they are paid on time also. Well I'm paying off this Bal and you guys can kick rocks. One less bill to worry about. DoNT WASTE YOUR TIME WITH BARCLAY APPLE REWARD THEY DO NOT APPRECIATE LOYALTY.… show more
Jun 29, 2017
is very terrible service and never paid late and down my credit limit 1500 to 1000 because a use some money in oder credit card and the customer service is terrible.am goin to paid to close this acount
Jun 11, 2017
Terrible service. Also, used the card to purchase a new MacBook, never used it for anything else, made on-time payments larger than minimum and after I paid the card down to approx 40% utilization - they lowered the credit limit to $100 more than current balance. This increased the % of utilization and impacted my credit score by 15 points. I will be paying off balance in the next 30 days and closing account.
Dec 15, 2016
Barclays customer service is beyond frustrating.. so far, this card is a headache, and not worth the (incorrect) gift cards they send out!
Mar 15, 2016
They take long to solve disputes. I had a dispute on my account. I provided with all the required evidence, but they are sitting on the papers and not solving the case in a promptly manner.
Dec 29, 2015
Terrible service, would not ever get this credit card, I have a 796 credit score, went to apple store to get a computer and wanted to take advantage of no interest financing. Had to call them, and they said before allowing credit had to send them copy of drivers license, utility bill and bunch of other stuff. Never had a problem at Amazon or Best buy, so will not be going back to apple store to get products. They should change providers terrible bank.… show more
Sep 16, 2015
The Barclay Card Visa with Apple rewards credit card seems to offer very similar rewards that many other credit cards offer. However I am a total Apple fanatic so this is a card that I am very interested in obtaining. If I could also transfer my balances from my credit cards where I earn rewards on stuff I don't use that is a pure bonus. Whether I get the rewards in iTunes or as an Apple gift card I don't care, it will get used quickly in either case. Beware that the interest rate may be high, so keep your balances low or paid off.… show more
Jul 08, 2015
Silly me. Ive known for ages that Apple products are fantastic but their ancillary lines are generally garbage. Never dawned on me to check out the reviews for Apple promoted Barclays Bank free financing. They are in the US but every bit as problematic as all offshore tech support. This card isnt even received yet and so much trouble its going to be paid off and a balance transfer to Discover card. The scary thing is these peoples native tongues all seem to be english or one could blame their stupidity on a language barrier.… show more
Jun 10, 2015
This looks like a pretty reliable cad for me. I love my apple products and this seems to fit right in. The late fee is scary but the no annual fee is nice. I eat out a lot so i would stack up on points pretty fast. If you are not an apple user i wouldnt go with this card though.
May 08, 2015
I don't care for Apple the way some people do, so this Apple credit card would not be for me. I suppose if you're a big Apple fan then this card would be perfect for you but from my past experience with Apple, they are way too nosy and I don't like nosy people being involved in handling my money. I never really understood all the reasons for all of the different fees but it seems like Apple is sticking to their guns and charging out the Wazoo as usual. I'd be wary of this card.… show more
Apr 23, 2015
As an Apple nut I love this card. The Apple Credit Card was a great way for me to get a new Macbook and have plenty of time to pay it off before the intro rate expired. Plus it has a lot of really good rewards points. 3 for every apple purchase, 2 for every restaraunt, and 1 for everyone else. Obviously you get the most bang for your buck if you do a lot of apple shopping but even without that this is a pretty good card. The interest rate and terms are pretty good to.
I also have a Discover card but it only gives me a flat 1 point for each dollar rather than a variable scale with this. If you're an Apple nut, this card is awesome. But even if not, it's still pretty good.… show more
I also have a Discover card but it only gives me a flat 1 point for each dollar rather than a variable scale with this. If you're an Apple nut, this card is awesome. But even if not, it's still pretty good.… show more
Apr 18, 2015
Barclay card is probably the worst card company to have to deal with . I have several other credit cards with zero balances and the declined me because I have other cards. The guy stated my credit is fine and your not maxed out on the debt to income. But we cant approve you because you have several other cards. I dont recommend going through this card.
Apr 06, 2015
The Apple Credit Card really isn't a bad deal if you're a big fan of Apple Products. If so, you can earn a lot of reward points you can apply elsewhere if you buy a lot of Apple Products, otherwise it's a fairly average card. Interest rates varies from average to fairly high and the other terms are fairly standard. Compared to other specific rewards or store cards it's about the same.
It boils down to being an Apple fan or not. If you buy a lot of Apple Products, this card is for you. Otherwise you might wish to shop around some more.… show more
It boils down to being an Apple fan or not. If you buy a lot of Apple Products, this card is for you. Otherwise you might wish to shop around some more.… show more
Mar 20, 2015
I really like a card that offers a points system, for gift cards to iTunes or Apple. There is no annual fee, that's very appealing to me. The cash advance fee seems a bit high, and the only other negative would be from the forgiven transaction fee. But to end on the best positive, Apple is offering a scaled interest free time purchase for purchases in the price tiers = < 499 ~998&=
Mar 05, 2015
If you're buying a number of Apple products, this is a pretty good deal, but the rewards don't add up as much as other cards for any other type of purchase. For instance, I have a Double Cash back card from Citibank that pays 2% on all purchases - 1% on purchase and 1% when you pay off that item. I think I might be tempted to get this card and use it JUST for Apple purchases, but use a higher-reward card for most everything else.… show more
Feb 17, 2015
The Apple Credit Card is pretty average compared to other credit cards. They do lack rewards options and only being able to select from an itunes or apple gift card is kind of a bummer. Compared to my Capital One card, the Apr and interest rate are about average as well. The only thing that makes this card stand out is if you are in the market for apple products or if you use the itunes store a lot. Overall my impression of the card is pretty negative.… show more
Feb 16, 2015
I had a great experience with this card. I got it when I was buying my lap top for school and I was able to finance my laptop. I make my payments on time and when I don't I call and they adjust my late fee. You can see your credit score for free as well its pretty cool card.I am making interest free payments for one year which gives me the freedom to pay as little or as much over the minimum that I can afford at the time. unfortunately the interest rate I got is high so I won't be using it once I pay off my balance.… show more
Jan 05, 2015
If you use Itunes a lot, or apple products in general, this is a good card. The interest rate is standard. The introductory interest offers are very worth it if you are going to buy an apple laptop. No annual fee, all other fees are basic and comparable to most cards. Rewards are good, and again much better when you are an apple user. Would recommend this card to apple addicts and anyone thinking of buying an apple laptop. I mean what is better than no interest for 18 months on your laptop purchase?… show more
Dec 01, 2014
Sure there can be bad things about all cards, but this one is good for me. I wouldn’t say it’s a good card to start your credit history out on. However, if you have already started give it a shot! I am a huge fan of Apple products. This is a great card for special financing if you're looking to buy an apple product. The Apple Credit Card is a great card to have, especially if your one of those people that always love to follow up on the latest electronics. The good real benefit is it allows you to finance an Apple product and as far as I know it's the only way to do it. Unlike most store cards this one does let you off on the interest if you can keep up with the payment plans. So if you can balance a budget and need to get an Apple this isn't the worse way to go. I think this is a good card.… show more
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Last updated on: August 3rd, 2020 at 05:10
Related Credit Cards
If you are interested in the Barclaycard Financing Visa Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Barclaycard Financing Visa Credit Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Aug 3rd, 2020 at 05:10 ET