About Barclaycard Breathe credit card...
- Profit donations to Pure - the Clean Planet Trust
- Reduced purchase rate for public transport (exc. London)
- Green discounts and special offers
The Barclaycard Breathe credit card is the environmentally conscious' choice of plastic - it's even made out of a more environmentally friendly type of plastic than other cards.
The Barclaycard Breathe credit card is aimed at anyone who wants to start making a difference to the environment for our generation and future generations to come.
Offering a realm of offers and discounts on green products and services and an interest rate of just 5.9% p.a. for any public transport spending - unfortunately though, this rate reduction does exclude Transport for London service purchases.
But more than just offering a way to make going-green a little cheaper - 50% of the net profits (after tax) generated by the Barclaycard Breathe credit card will be donated to Pure - the Clean Planet Trust.
Pure - the Clean Planet Trust, is a charity set up to help combat climate change, and donations will go to funding government approved environmental projects to support carbon offsetting.
Apply for Barclaycard Breathe credit card 
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
14.9% APR (variable) |
The typical APR is the rate most people are offered.
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| Balance Transfers |
0% for 12 months
On amounts up to £5,000 |
On amounts up to £5,000. Balances must be transferred within 60 days of your account opening. Payments are applied towards introductory rates first. |
| Balance Transfer Fee |
2.5% |
Balance transfers carry a handling fee. |
| Cash Withdrawal Rate |
27.9% 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 |
2.5%
(£2.5 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
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| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
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| Rewards |
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Notes.. |
| Charity Donations |
Support Pure - the Clean Planet Trust |
50% of net profits after tax generated from the Barclaycard Breathe credit card will be donated to Pure - the Clean Planet Trust, which will use the money to fund government approved environmental projects.
There is a stated minimum donation by Barclaycard of £1 million in the first year. |
| Reduced Rates on Public Transport |
5.9% per annum purchase interest rate on public transport spend. |
Excludes Transport for London. |
| Green Discounts & Offers |
Discounts and special offers on a range of 'green' products and services. |
Discounts and special offers include British Gas, Ecotricity, Halfords, Hertz, ecoelectricals.co.uk, Barclays Insurance, Center Parcs, Eurocamp holidays, tree2mydoor.com, So Organic, Natural Collection and Crocus. |
| Travel Service |
Great holiday deals with Barclaycard's Travel Service |
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| Savings |
Savings with a range of retailers and companies |
Savings with Thomas Cook, Avis, Hilton, Emirates, Center Parcs, buyagift.com, Laithwaites and Dominos. |
| Cardholder Services & Extras |
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Notes.. |
| Online Account Management |
Yes |
You can log in to the Barclaycard web site and manage your Barclaycard Breathe credit card account online. |
| Purchase Delivery Protection |
Yes |
Covers brand new goods bought with your Barclaycard Breathe credit card if they don't arrive or are delivered damage and you are unable to resolve the issue with the supplier. Covers goods bought online, over the telephone and in the high street if goods are delivered. |
| Fraud Protection |
Yes |
Barclaycard will look out for any unusual activity on your account and contact you to make sure it's not fraudulent. |
| Travel Insurance |
Free single trip travel insurance |
When you book your holiday (between 2 and 21 days long) through the Barclaycard Travel Service. Up to 5 friends and family members travelling with you will be covered. Exclusions and terms and conditions apply. |
| Worldwide Assistance |
Free help if anything goes wrong while you're abroad |
Barclaycard can help you in the case that anything goes wrong whilst you are abroad. They can provide legal assistance, medical emergency help, arrange flights and transport to get you home as quickly as possible, interpretation, send a message home, and help with lost or stolen documents. |
| Emergency Card Replacement |
Emergency card replacement and emergency cash advance |
Barclaycard will get you an emergency card replacement if yours is lost or stolen anywhere in the world. Barclaycard can also arrange an emergency cash advance of up to £1,000 a week (subject to available funds on your account), and they'll even refund the cash handling fee. |
| Other Extras |
Barclaycard Secure, Identity Protection Service, Barclaycard Travel Service |
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| Optional Extras |
Card Protection, Payment Protection, Everyday Cover, Identity Theft Protection |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
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|
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. this is the amount of time you have to clear your balance in full each month before you are charged any interest. there is no interest free period on cash withdrawals, cheques or balance transfers. |
| Minimum Monthly Payment |
2.25%
(£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 |
Promotional rate balances, interest and charges, standard balance and then cash withdrawals. |
When you make a payment to this card, payments will first be applied towards promotional balance transfers and / or purchases, then interest charges and any fees, then standard rate balances and then cash withdrawals. |
| Default Charges |
£12 |
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 |
£3 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
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Notes.. |
| Online Application |
Yes |
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| Card Type |
Classic |
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| Payment Company |
MasterCard |
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 'MasterCard' logo will accept this card. |
| Card Issuer |
Barclays Bank |
This is the bank behind your credit card. |
| Card Advertiser |
Barclaycard |
This is the company who advertises and promotes this credit card. |
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Barclaycard Breathe Credit Card
| Typical APR |
 14.9% APR |
 |
| Balance Transfers |
 0% for 12 months
On amounts up to £5,000
2.5% transfer fee |
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| Donations Made To |
| Pure - the Clean Planet Trust |
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| Rewards |
Green discounts & special offers
Rate reduction on public transport
(exc. Transport for London)
Shopping & travel discounts |
|
| Interest Free Period |
| Up to 56 days |
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| Annual Fee |
| £0 |
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| You should only apply if you are: |
| • Aged 21 or over |
| • Have a permanent UK address (for 3 months or more) |
| • Have a good credit history |
| • Don't already hold a Barclaycard |
| • Haven't missed multiple payments on a credit agreement within the last 12 months |
| • Haven't been declared insolvent, bankrupt or have any CCJ's against you |
| • Earn at least £10,000 per annum |
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More about Barclaycard Breathe credit card...
Barclaycard have stated a minimum donation of £1 million in the first year to Pure - the Clean Planet Trust - but by taking out this card you can help to increase that donation amount and future year donations too.
Pure - the Clean Planet Trust
Pure's projects meet the Government's proposed code of best practice for carbon offsetting, which means that any project funded by the Barclaycard Breathe credit card will meet minimum quality standards - so you know the money is going towards actually useful schemes.
The expenses of Pure are kept to a minimum, and as a registered charity they are able to claim gift aid - the gift aid amount claimed actually covers their running expenses - so 100% of the donations made go straight to the projects themselves.
The current projects being funded by the Barclaycard Breathe credit card include solar energy for schools in the UK, Hypropower in China, Renewable Energy and Forest Preservation in Brazil, and Wind Farms in China.
Green discounts
Barclaycard Breathe aims not only to help fund carbon offsetting projects - but also to help make going-green for individuals a little bit easier too.
As a Barclaycard Breathe credit card holder you'll be able to claim a number of discounts on green products and services - including money off British Gas home insulation, Ecotricity, Halfords Cycles, Hertz green car hire, So Organic, Natural Collection ethical shopping and more.
Any spending made on public transport left on your account will also only be charged 5.9% per annum interest - although you'll get 56 days interest free credit if you repay your balance in full and on time each month.
Unfortunately, the rate reduction on public transport does exclude Transport for London service purchases.
Green accounts
The Barclaycard Breathe credit card doesn't get hypocritical by flooding your door mat with marketing bumph and credit card statements either - instead you'll receive your monthly statements online and any marketing literature will be kept online too.
The Barclaycard Breathe credit card is also made out of a plastic that's a little more environmentally friendly than other credit cards.
They also offer a dedicated 'Barclaycard Breathe' website - separate from the main Barclaycard site. Designed to keep you up to date with their environmental projects and any new green offers and discounts to help save you money.
The credit card rates and fees
The Barclaycard Breathe credit card won't fine you too heavily for non-green purchases, with a standard interest rate of just 14.9% p.a. - it's a notch or too lower than the average.
However, if you repay your balance in full and on time - you'll get 56 days from the first day of your statement before you're charged any interest each month on your purchases.
The Barclaycard Breathe credit card does come with a 0% balance transfer deal - which will last for the next 12 months (a 2.5% transfer free does apply) - however, if you do transfer a balance to this card remember not to make any new purchases with in until the balance transfer amount is repaid in full first, otherwise you could find yourself clocking up interest on purchases you can't yet pay back.
Final word
Barclaycard Breathe is a credit card you can use today that's built for tomorrow - hopefully we'll be seeing a lot more green credit cards on the market in the near future, but for now, this one offers a pretty great starting point.
You'll certainly be able to pay with pride at your local organic food shop.
Apply for Barclaycard Breathe credit card
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