How you earn
No cashback or points — fee-free foreign-currency purchases.
- No rewards or earnings cap.
- Non-Core product: 0.00% Barclays non-sterling fee (with Rewards and Platinum Cashback Plus). Conversion uses the Visa scheme rate, which can sit a fraction above ECB mid-market — that gap is network rate, not a Barclays markup. Cash transaction fees still apply abroad.
Opening offer
0% interest balance transfer for up to 24 months and up to 21 months for purchases. 3.45% transfer fee applies.









