Barclaycard Rewards Mastercard review | finder.com

Review: Barclaycard Rewards Mastercard

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Please note: This card has been discontinued, and it is not available on our site.

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Updated December 15th, 2018
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1% cash back
16.99% to 25.74% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1.5% cash back
16.99% to 25.74% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
Earn up to $250. Earn $150 after you spend $1,000 on purchases in the first 3 months of card membership. Earn an additional $100 after you spend an additional $6,500 within the first 12 months
1.5% cash back
14.99% to 25.99% variable
$0
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months
1x points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2x points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
14.99%, 18.99% or 24.99% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.74% to 26.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1x points
16.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2x points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

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Barclaycard Rewards Mastercard review

Getting this rewards credit card makes sense if you wish to earn reward points according to your spending and plan to pay your account’s balance in full each month. This is because the card’s APR is on the higher side, and carrying over balances from one billing cycle could result in paying a tidy sum as interest. Not having to pay an annual fee to maintain this card is a plus, and you can also make use of interest-free days on purchases.

Benefits of the Barclaycard Rewards Mastercard

The Barclaycard Rewards Mastercard comes with multiple benefits:

  • Rewards. You stand to earn 2 reward points for every dollar spent on gas, groceries and utility purchases, and you’ll earn 1 reward point on all other purchases. You can redeem your reward points once you accumulate at least 1,000 points.
  • Balance transfers. Use this card to transfer balances from existing cards, in which case this card’s APR for purchases applies on transferred balances. You’ll also have to pay a balance transfer fee ($5 or 3% of the transaction, whichever is greater).
  • Use globally. Use this card to shop and withdraw money from ATMs in more than 200 countries and territories, as long as you see the Mastercard logo.

Barclaycard Rewards Mastercard Features

If you’re considering applying for this credit card, take some time to go through its list of features.

  • Annual fee. You don’t have to pay any annual fee to use this card.
  • APR. The APR for purchases is at 25.24% variable, balance transfers stand at 25.24% variable and the APR for cash advances is 25.49% variable. These variable APRs are subject to change as per prevalent prime rates.
  • Rewards points. There is no limit to the number of reward points you can earn or redeem, and your reward points don’t expire as long as your account remains open, active and in good standing. You can also now redeem points to a US checking or savings account, statement credits or gift cards, starting at 1,000 points for $10.
  • Balance transfers. Transfer balances from existing cards to this card, in which case transferred balances attract this card’s APR for purchases. You’ll also have to pay a balance transfer fee of $5 or 3% of the transaction, whichever is greater.
  • Interest-free days. There is gap of at least 23 days between the end of a billing cycle and the following due date. And if you can pay the account’s outstanding balance in full before the due date, you won’t pay interest on purchases.
  • Foreign transaction fees. When you use this card internationally, you’ll pay a foreign transaction fee of 3% in US dollars for each transaction.
  • Late and returned payment fees. Depending on the state you live in, you may have to pay up to $37 in late and returned payment fees.
  • Card security. This microchip-enabled card offers considerably more protection against fraudulent use in comparison to cards that rely solely on magnetic strips. $0 Fraud Liability protection means you can have peace of mind for unauthorized charges that are reported.
  • Credit score management. Receive free online access to FICO Credit Score, allowing you to monitor your credit and get alerted when your score has changed.
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How to apply for the Barclaycard Rewards Mastercard

To apply for the Barclaycard Rewards Mastercard online, click the Go to Site button.

Eligibility criteria

  • You are at least 18 years old.
  • You are a permanent resident of the US.
  • You have a fair credit rating.

Required documents

  • Your complete name, residential status, residential address and time spent at current address.
  • Your date of birth and Social Security number.
  • Your phone number and email address.
  • Your employment and income details.
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2 Responses

  1. Default Gravatar
    GyeMay 1, 2018

    How can I redeem my points

    • Default Gravatar
      joelmarceloMay 2, 2018

      Hi Gye,

      Thanks for leaving a question on finder.

      Unfortunately, this credit card is no longer available. If you are looking to get a credit card that accrues the most points, please go here.

      Cheers,
      Joel

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