Barclaycard Financing Visa® Card

Approval Odds

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3.2 out of 5 stars
30 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

3 5

Most Helpful Positive Review

May 15, 2016
It does what it needs to do
Komp87 Cardholder

I got the card April 2015 (630 FICO scores). Didn't use the Apple promotion immediately (wanted to wait until the June Apple Event). Emailed them to tell them I didn't get to use the promotion and if they could activate it again. They did. Bought an iPhone 6 and Apple Watch that June. Paid it off by November. Called them and asked for the promotion again. They gave it to me. Bought the iPad Pro and Apple Pencil. Paying that off currently. Will eventually pay that off soon and will rinse and repeat with a Macbook. No interest ever charged. No problems getting the promotion. No issues with the card.

People comlpain about the Interest Rate, fees, and charges. If you're using this card for anything other than an Apple purchase for the 0% promo, then you're not using the card properly. This is not a card you use for everyday purchases. Use it for it's intended purpose and it will treat you right.

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Most Helpful Negative Review

Apr 20, 2016
High Interest rates for non-Apple
Anonymous Cardholder

Got this card two years ago when paying full price for an iphone, originally had a 2k credit line. Put other expenses on it and realized the APR for non-Apple items was over 27%APR!!!!! Been working on paying this card off ASAP, and they keep raising my credit limit. Now my credit limit is nearly 7k without any requests. Would use card a lot more if the APR was reasonable. I have a 670 credit score currently.

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These reviews were written by current and former cardholders in the last year.

Mar 18, 2017
You have to wait forever to redeem point
jarinkh Cardholder

If you are getting this card coz of rewards then think twice because i have been trying to redeem my 2500 points but they keep on saying its gonna automatic create the Gift card and i have never got it.

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Mar 06, 2017
Great for Apple purchases!
Fern1983 Cardholder

I was originally denied through the online application. I called the recon line (1-866-408-4064) and explained to them my credit situation and they approved me with a $1000 CL. I can now buy an iPad Pro with the interest free financing for 6 months. 

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Jan 24, 2017
Approval odd HUH???
titliest72 Cardholder

I was denied when my score was 720+ but approved when my score was 608 at the time. That still baffels me. Anyhow, this is a great card for those Apple purchases with great 0% interest financing. Same as any other card though, be sure you pay off full before finance period ends. You can use the card anywhere, but I only use it for Apple account and Apple gifts. Good card to have. Cannot complain. Have yet to use the apple reward points yet so I cannot comment on it.

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1 Reply
Jan 25, 2017

Also forgot to add that you are asked your initial purchase amount. Never input the real amount, always input a lot more than you intend on spending to keep your debt to income down. Ex. If you want a iPod and spend 500, then input 2,500 so your around 20% use of credit. This may screw you if you want a 5K decked out PC because you would have to input over 20K which you are sure to be denied. So always take into consideration the debt to income ratio and your initial purchase amount.

Jan 03, 2017
Surprising approval
cwinters90 Cardholder

I was on Apple's website drooling over an iPad a few weeks ago, and saw that they offered up to 18 months interest free financing; I initally decided against it, but checked CK and had a 643 & 644, FICO 626, so decided to throw caution to the wind and apply. Boy, was I surprised! Instant approval for $2,000 (my household income is relatively high - I think that's the only reason I got that much to start); this is extra sweet because I was just denied by Chase for the Best Buy store card. A friend (and apple fanatic) opened this card several years ago and said it began at around $500 and is currently at $6,000; he also called within a year and lowered the interest, which I am hoping to do because right now they offer as low as 13.99% but mine is 23.72%, which is fine because I plan on ONLY using it to buy things interest-free at Apple. I love that I get triple points on iTunes, App Store, and Apple's stores and website, and double points for dining out. Even had to speak with customer service the other day, and it was just so smooth! Overall very happy! 

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Dec 17, 2016
its only good to buy apple devices
Anonymous Cardholder

if you must buy an iphone or tablet or laptop from apple,  barclays has delayed interest for 12 to 18 mos and allows you to buy electronics with no interest,  but once it hits if you miss it,  its brutal.   

you must be careful that you dont go beyond the limit and spread your payments to finish on time.   my interest was so high 27% that I had to close within one month from my 18mos.  cant afford that card.  

I dont recommend it as a card to do business with.   they need to do a better job of reminding the card holder of schedule and terms.  

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Dec 08, 2016
kiefer1973 Cardholder

I have had the card for exactly one year this month. NEVER late, NEVER missed a payment. Paid balance in full on two occasions. Made payments for more than the minimum. Today, they closed my account because my credit score dropped because I financed a second vehicle. The drop in score is temporary. What a HORRIFIC company. I made a promise that I would spend every day of my life warning people about them and I intend to keep my promise. They are not helping your credit, they are destroying it. You have been warned....good luck if you go through with it.

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Oct 09, 2016
30 days to set up automatic payments
Anonymous Cardholder

I thought I had automatic payments set up, but they said they needed 30 days to "process" automatic payments. This meant that I missed a payment, incurred a late fee, and hit my credit score. Customer service was not 24 hour, and the person I talked to spoke broken English and did nothing to help. Definitely do not recommend.

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Oct 06, 2016
~*Approved from $2,000 to $5,000*~
MimiRoss Cardholder

I originally got this card to purchase an apple computer back in 2014. They gave me a credit limit of $2,000. Even though I have had on time payments with them for the past 2 years they have never given me an auto increase. So I called and decided to ask for one. I spoke with a customer service agent who transferred me to a credit analyst. He made small talk with me but I could tell from the convo he was fishing for the reason I wanted the increase. Didnt want to just say I deserve one by now so instead I said for the upcoming holidays. He did a soft pull on my Transunion and asked me to hold while he looked it over. He asked me how much I wanted and I told him $5,000 . He came back about 5 minutes later with a congratulations you have been approved for the $5,000. He told me to log in about 5 minutes later and it should be. We hung up and I looked and it was there.

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Sep 21, 2016
Instant Online Approval!
Anonymous Cardholder

I applied online through Apple's website. At the time, I had zero hard inquiries on my credit report with a credit score 765. I was approved with a $3,000 credit limit. Bought my iPhone 6s Plus immediately after the approval. Now I'm waiting on my card to come in the mail. 

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Sep 07, 2016
Just Okay
Anonymous Cardholder

Applied online, got approved, bought new apple ipad air and apple watch. Credit store high 700s only asked for 1k credit line got approved on the spot made my purchase. I would only suggest this card if you plan to pay off in full during the promotion period. I do not use this card for anything else as the interest rate is unbelievely high. 

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Barclaycard Financing Visa® Card