Barclaycard Small Business Gold Credit Card

About Barclaycard Small Business Gold credit card...

The Barclaycard Small Business Gold credit card offers some really great features that really will make running your business simpler.

The Barclaycard Small Business Gold credit card protects your business purchases with free insurance covering items against accidental damage, theft or loss when you first buy them, and most items will also get a free extended warranty on top of the manufacturer's warranty to cover them against mechanical or electrical breakdown faults.

Your business money will be in very safe hands, with fraud security features including an online fraud guarantee - so your business won't be held liable for unauthorised use, and your business will also be covered against employee cardholders misusing their cards.

If you have to travel on business trips, you'll be pleased to know this Barclaycard business credit card comes with 'BTI UK Direct' - a business travel booking service, and a travel insurance policy when you pay for the trip on this card for you and up to 3 other people travelling on the same trip.

Money management with the Barclaycard Small Business Gold credit card will be simple and convenient with monthly statements of your overall expenditure and each cardholder's expenditure.

Apply Online for Barclaycard Small Business Gold credit card

Interest Rates and Fees
		Notes..
Typical APR	25.7% APR (variable)	The typical APR is the rate most people are offered.
Cash Withdrawal Rate	14.2% p.a. (variable)	This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money.
Cash Withdrawal Fee	2% (£2 minimum)	When you use your credit card to get cash you will be charged a 'handling fee' for doing so.
Annual Fee	£78	-
Foreign Transaction Fee	2.75%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
Business Discounts	Discounts on business purchases with Ryman Office Supplies, Kwik Fit, CitySprint Couriers, Reed Training, Redstone telecom, and the AA.	-

Cardholder Services & Extras
		Notes..
Online Account Management	No	You will receive a detailed monthly statement, that summarises your overall expenditure and itemises individual cardholder spending.
Purchase Protection	Up to £3,000 per item	Purchases made with this card will be protection against accidental damage, loss or theft for the first 90 days, of £3,000 any one item, for £6,000 any one occurrence and for an aggregate up to £12,000.
Extended Warranty	Second year's warranty on purchases made with this card	Purchases of over £50 paid in full with this card will receive an additional 12 months warranty, added to the manufacturer's warranty (up to a maximum of 24 months). Each item will be covered up to £3,000, each claim is limited to £6,000 with a maximum claim limit in any one year of £12,000.
Online Fraud Guarantee	Barclaycard will continually monitor your account to protect you from fraud, if an unauthorised transaction does take place your business won't be held liable.	-
Cardholder Misuse Insurance	Cover against one of your cardholders misusing their Barclaycard business card.	Cover for up to £15,000 per cardholder and up to £1,000,000 each year for your business as a whole.
BTI UK Direct	Business travel booking service	-
Travel Insurance	Travel insurance when you pay for your trip with this card, for yourself and up to 3 other people on the same trip	-
Other Extras	Barclaycard secure	-
Optional Extras	Card Protection Plan - discounted rates	-

Payments & Payment Details
		Notes..
Credit Limit	£250 minimum	Credit limit may vary from person to person and is subject to status.
Interest Free Period	Up to 56 days	For purchases if you pay your balance in full and on time. There is no interest free period on cash withdrawals.
Minimum Monthly Payment	5% (£5 minimum)	The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero).
Allocation of Payments	Interest, Fees, Cash Withdrawals and Purchases in equal amounts	When you make a payment to this card they will be applied to charges / balances in this order.
Default Charges	£25	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.
Copy of Statement Fee	£2	This is the fee you will be charged for duplicate statements.

Card Details
		Notes..
Online Application	Yes	-
Card Type	Gold	-
Payment Company	Visa	This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'Visa' logo will accept this card.
Card Issuer	Barclays Bank	This is the bank behind your credit card.
Card Advertiser	Barclaycard Business	This is the company who advertises and promotes this credit card.