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This email was sent to niepodam@niepodam.pl.
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Hey Sam,
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Make 2026 the year of more me time and simples saving. Whether it’s bringing balances together, planning your spending, or reviewing bigger borrowing, a few changes to your finances could mean less juggling, less stress and more me time.
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Give your balance breathing room
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Want a fresh financial start to the new year? The Barclaycard Platinum 36-month balance transfer card could bring your existing debt together and give you extra time to tackle what you owe.
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• 0% interest on balance transfers for 36 months
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• 3.45% balance transfer fee
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• 12 month Apple TV subscription
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• £20 cashback
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Representative example: Assumed borrowing of £1,200 for 1 year at a purchase rate of 24.9% (variable), representative 24.9% APR (variable).
New customers, 18+, UK residents only. Balance transfers must be made within 60 days of account opening. Min transfer £250 (£2,500 to get cashback). Barclaycard will email a verification code for Apple TV, offer availability until 10am 29 January 2026. T&Cs apply. Eligibility subject to status.
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• No foreign exchange fees on purchases
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• 1% cashback on all card purchases in the first year (0.25% thereafter)
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• No monthly account fee
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12.9% Representative APR (variable) & Assumed borrowing of £1,200 for 1 year at a purchase rate of 12.94% p.a. (variable), representative 12.9% APR (variable).
UK residents 18+ only. Regular income and no history of bad credit required (e.g. bankruptcy, IVA, or CCJs). Must not have been declined for a Lloyds credit card in the last 30 days. Must make at least minimum payment on time to receive cashback. Cashback paid annually in January. T&Cs apply.
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Give yourself more time to pay
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Planning a big purchase? The M&S Purchase Credit Card offers a long 0% period on purchases, helping you spread the cost over time while earning rewards on your M&S shopping.
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• 0% interest on purchases for up to 25 months
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• 0% interest on balance transfers for up to 12 months (3.49% fee, £5 minimum)
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• Earn Rewards points with M&S
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