Barclaycard Simplicity Credit Card

As the name suggests Simplicity from Barclaycard sets out to cut through the red tape and headline grabbing offers to give you a card that does one thing better than the rest, a true low rate credit card. Balance transfers are charged at the same rate as as the standard rate but that's almost lower than some other cards have advertised as their special introductory rate in the past.
To apply you must be at least 21, a UK resident and earn a salary of at least £15,000.
Please note that the interest rate offered is always linked to your credit status so you will need an excellent credit history for a successful application to this card.

Type	VISA
Manage your account online 24/7.
Balance Transfers: 6.8%APR Variable (charged at the standard long term rate) 2.5% fee applies after the first 60 days of opening your account
Long term APR (Standard typical rate)	Purchases: Typical 6.8% APR (variable)
Cash Advances (withdrawals): 27.9% APR variable
Minimum Repayment: 2.25% or £5 (whichever is greater)
Annual Fee: no
up to 56 days interest free credit if you pay your balance in full and on time. Does not apply to balance transfers, cash advances or cheques.
payments allocated in the following priority: interest charges and other charges standard balance cash balance
Fee's: Cash, balance transfers and cheques: 2.5% (min. £2.50) Overseas transactions: 2.75% Copies of statements: £3.00 Copies of transactions: £5.00 Default charges Late payment fee: £12 Over credit limit fee: £12 Returned payment: £12
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Barclaycard credit card Other Facts:

direct debit payment option

Fraud Protection and chip and PIN technology

fraud watch on your account for unusual spending patterns

Purchase Delivery Protection

Emergency help when travelling abroad

Great holiday deals and offers

Emergency cash advance and credit card replacement

Text alerts five days before payment is due (opt in required) 24 hour helpline