How to pre-qualify for Barclaycard credit cards | finder.com
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How to pre-qualify for Barclaycard credit cards

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Right now, pre-qualification isn’t available for American applicants.

Barclaycard boasts a variety of credit cards, and it’s particularly well-stocked with travel products.

While Barclaycard doesn’t offer pre-qualification for American applicants, you can increase your chances of receiving a pre-approval letter in the mail.

Our pick for applicants with good to excellent credit

Barclaycard Arrival® Plus World Elite Mastercard®

  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • NEW - Control your card - instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
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Compare Barclaycard credit cards

Updated May 20th, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
2x miles on all purchases
18.24%, 22.24% or 25.24% variable
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2% back on dining, 3% back on travel, 2% back on online purchases and 1% back on everything else
17.24%, 22.99% or 25.99% variable
$0
Get 4% back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem for Uber credits, gift cards or cash back.
Earn 2x points on NFL DirecTV® and team purchases, including in-stadium, at NFLShop.com and at team pro shops and earn 1 points on everything else.
18.24%, 23.24% or 28.24% variable
$0
Earn 10,000 bonus points after you spend $500 on purchases in the first 90 days from account opening.
6x points on JetBlue purchases
18.24%, 22.24% or 27.24% variable
$99
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 90 days.
Earn 5x points on eligible priceline.com and earn 1x points on all other purchases.
17.24%, 22.24% or 27.24% variable
$0
Earn points toward the rewards of your choice, and redeem points for statement credits.

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What does pre-qualification mean?


Pre-qualification means a bank has checked your credit via a soft pull and determined you might qualify for one of its credit cards.

If you receive pre-qualification and apply for a card, you typically have a greater chance of approval. Your odds may be as high as 80% to 90%.

Unfortunately, pre-qualification doesn’t guarantee approval. The bank may still deny you if your credit profile fails to meet its requirements. For example, your annual income might fall short of the bank’s minimum.

Still, pre-qualification can help you get a sense of your approval chances before applying. When you apply, the bank will initiate a hard pull on your credit history.

Soft vs. hard credit pull

Understanding the difference between a soft and hard pull can help you protect your credit score.

A soft pull is a quick background check. A bank might use one to see if you’re a good fit for its credit cards. It also doesn’t lower your credit score.

When you apply with a bank for a lending decision — such as applying for a credit card — the bank will initiate a hard pull. This will lower your credit score slightly.

A hard pull here and there will have very little affect your credit, but you should still hold off on going wild with applications. It’s considered best practice to avoid multiple hard pulls within a short period. Lenders see it as a red flag, as it implies you’re desperate for credit.

How do I get pre-qualified for a Barclaycard credit card?

Unfortunately, American consumers can’t currently request pre-qualification for Barclaycard credit cards.

The closest thing is to receive a pre-approval letter in the mail, but not by request.

While receiving a pre-approval letter is out of your control, you still may be able to increase your chances of getting one. Barclaycard looks for consumers with good credit, so focus on financial factors that contribute to a high credit score.

Bottom line

While there’s no Barclaycard pre-qualification for American consumers, it’s available for cards from other providers. Consider getting pre-qualified for cards from Chase or American Express when comparing your options.

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