Prequalify for a Barclaycard: How to + alternatives | finder.com

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How to prequalify for Barclaycard credit cards

You may not be able to prequalify for a Barclaycard credit card at this time.

Unfortunately, Barclaycard is one of the few card providers that don’t offer a credit card prequalification process. In this case, you could try and run a prequalification yourself or you could prequalify with another card provider.

How to prequalify by yourself

One way to check whether you qualify for Barclaycard credit cards is to run an unofficial prequalification yourself. Of course, this isn’t as accurate as if Barclaycard ran the prequalification, but it should be enough to give you an idea of where you stand.

First you need to check your credit score. You can grab a free copy once every 12 months with Experian, Equifax and TransUnion. If your credit score stands at 670 or higher, you have higher chances of credit card approval because all of Barclaycard’s credit cards require a minimum of 670 credit score.

But credit score isn’t the only factor affecting credit card approval. There are two things you could do to increase your chances: lower your overall credit utilization ratio to 30% or below, and consider applying for a credit-building card. Once you build your credit, you can try your luck and apply for the card you want.

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.

Compare credit cards from brands that offer prequalification

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% cashback as statement credit on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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