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The agenda already becoming rewards on acceptable purchases beneath its aloft name, the Barclaycard Visa with Apple Rewards. But that was afore the much-hyped Apple Card — a absolutely altered artefact issued by Goldman Sachs — was alien in August 2019.

Barclaycard Anywhere

Barclaycard Anywhere | barclaycard icon

After that, the Barclays artefact got a new name and new terms. The Barclaycard Costs Visa® no best earns any rewards, although it does feature deferred absorption offers.

If you’re an Apple fan to your core, you ability be tempted to chaw on those offers. After all, Apple laptops, phones and added accessories are pricey, and the agenda itself won’t bulk you annihilation to backpack acknowledgment to its $0 anniversary fee — that is, bold you pay off the antithesis aural the promotional period. Otherwise, these offers can end up backfiring.

Here’s what you charge to apperceive about the Barclaycard Costs Visa®.

Nerd tip: While the Barclaycard Costs Visa® allows you to accounts purchases fabricated anon via Apple, it is altered from the Apple Card, which is Apple’s co-branded acclaim agenda with Goldman Sachs. The Apple Card, too, offers costs options for Apple products, but it additionally earns rewards, clashing the Barclaycard Costs Visa®.

1. Absorption may be deferred, but not waived

It’s accurate that the Barclaycard Costs Visa® can advice you accounts an big-ticket Apple laptop, but be acquainted that you’re not accepting a accurate 0% anterior APR offer.

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Barclays Logo transparent PNG – StickPNG – barclaycard icon | barclaycard icon

The agenda advertises “special costs on purchases fabricated at Apple” aural the aboriginal 30 canicule of aperture your account, based on how abundant you absorb on a condoning purchase:

Less than $499: You’ll get six months to pay the antithesis after interest.

$499 to beneath than $999: You’ll get 12 months to pay the antithesis after interest.

$999 and over: You’ll get 18 months to pay the antithesis after interest.

However, agenda that these are deferred absorption offers. That agency you’ll owe no absorption on your purchase only if you pay it off in abounding during the promotional period. If any balance remains when your beforehand ends, you’ll be answerable absorption retroactively for the full bulk of the transaction, activity aback to the date of purchase. That could be a lot of money.

2. The advancing APR is aerial

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Barclays logo and symbol, meaning, history, PNG – barclaycard icon | barclaycard icon

Even if you do pay off your antecedent acquirement with this agenda in time, you still don’t appetite to backpack a antithesis on it from ages to month. Aerial advancing absorption ante are accepted amid abundance cards, and the Barclaycard Costs Visa® is no exception. The advancing APR is 13.99% – 26.99% Variable APR.

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A safer best ability be a card with a true 0% anterior APR period, during which no absorption accumulates on purchases at all. Alike if you’re still accustomed a balance when a 0% addition APR aeon ends, you’ll owe absorption alone on what’s left. NerdWallet recommends advantageous your bill on time and in abounding every month, but if you’re not able to do so, a lower-interest agenda can save you money on your advancing balance.

3. Agenda the exclusions in the accomplished book

Some rules to accumulate in apperception with the Barclaycard Costs Visa®:

The deferred-interest offers aloft administer to acceptable Apple purchases fabricated alone at Apple.com, Apple Abundance locations or via buzz at 1-800-MY-APPLE, and alone to purchases fabricated aural the aboriginal 30 canicule of annual opening. Apple articles bought at, say, Walmart don’t qualify.

You can’t use the deferred-interest offers on iTunes purchases. So if you were planning on downloading Judas Priest’s absolute discography and accepting six months to pay it off afore absorption accuse hit, “you’ve got addition affair comin’.”

Barclays Bank (@Barclays) | Twitter - barclaycard icon

Barclays Bank (@Barclays) | Twitter – barclaycard icon | barclaycard icon

4. Ancillary allowances are paltry

Apple acolytes ability be aghast to learn that they’ll get little if annihilation in the way of absolute admission to Apple articles or events. No presale deals. No beforehand tickets to appropriate Apple gatherings. No coupons or incentives above the deferred costs options.

The Barclaycard Costs Visa® does acquaint “$0 artifice liability,” but that’s table stakes. You’d be hard-pressed to acquisition a acclaim agenda these canicule that doesn’t action at atomic that basal akin of protection.

Nerd tip: Depending on your creditworthiness, you ability be accustomed for a higher-tier Visa Signature adaptation of the card, in which case you’d accept admission to a hardly added ambit of perks courtesy of the Visa acquittal network.

5. It’s aloof not a acceptable accustomed agenda

You apperceive that absolute “spinning pinwheel” figure you get back your MacBook freezes up? Using the Barclaycard Costs Visa® as your primary acclaim agenda would accept the aforementioned aftereffect on your wallet. You would be bound into a agenda with no rewards and actual few incentives or ancillary benefits. Talk about spinning your wheels.

Barclays on the App Store - barclaycard icon

Barclays on the App Store – barclaycard icon | barclaycard icon

There’s little reason to use the agenda above its primary purpose of allowance you finance a agleam new computer from Apple — and alike on that front, you can acquisition cards with added acceptable agreement and rewards.

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