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Barclaycard Rewards Mastercard review

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

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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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Compare other rewards credit cards

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months
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
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% 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
$200 after spending $1,000 in the first 3 months
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
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®
$200 after spending $500 in the first 3 months
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
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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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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    Default Gravatar
    May 1, 2018

    How can I redeem my points

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