Barclaycard credit cards: Which one is best for you?

The best Barclaycard credit cards

The best Barclaycard credits cards offer the biggest value through rewards and travel perks for the lowest cost. When comparing Barclaycard credit cards, we looked at several features, including reward categories, earning categories, travel perks, signup bonuses and more. We highlighted the cards that performed best in a given category for our best list.

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Best for NFL fans

NFL Extra Points Credit Card

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The NFL Extra Points Credit Card can be an ideal addition to your wallet if you're a hardcore NFL fan. You'll earn accelerated rewards on your NFL purchases, get discounts at NFLShop.com and get a 0% intro APR period on NFL ticket purchases.

• Pros and cons

  Pros

  • Rewards. Earn 10,000 bonus points if you spend $500 using your card in the first 90 days. You’ll also earn 2 point per dollar spent on game tickets, in-stadium purchases and at team pro shops. All other purchases earn 1 points per dollar spent. You can redeem your points for game tickets, gift cards and an array of team experiences — or for statement credit to repay your account balance.
  • Discounts. Use this card to shop online at NFLShop.com and get 20% off purchases. That’s a saving of $20 on every $100 you spend. (This has changed for all teams except the Bears, Colts, Patriots, Eagles, Steelers, Vikings, Rams and Redskins.)
  • Ticket financing. Use this card to pay for NFL tickets at any NFL team ticket office to be eligible for a promotional 0% APR for six billing cycles. At the end of six billing cycles, the variable APR adjusts to an APR that varies according to your creditworthiness.
  • Balance transfer offer. This card comes with a promotional balance transfer APR of 0% that stays in place for 15 months and applies to balance transfers made within 45 days of opening the account. Once the promotional period expires, the APR adjusts to 18.24%, 23.24% or 28.24% variable for all outstanding balances. A balance transfer fee applies.

  Cons

  • Smaller intro offer on purchases. This card comes with just a six billing cycles 0% APR intro offer on purchases.

• More details

  Annual fee	$0
  Purchase APR	0% intro for the first six billing cycles (then 18.24%, 23.24% or 28.24% variable)
  Balance transfer APR	0% intro for the first 15 months (then 18.24%, 23.24% or 28.24% variable)
  Welcome Offer	10,000 points after spending $500 in the first 90 days
  Rewards	Up to 2x points

Pros

• Rewards. Earn 10,000 bonus points if you spend $500 using your card in the first 90 days. You’ll also earn 2 point per dollar spent on game tickets, in-stadium purchases and at team pro shops. All other purchases earn 1 points per dollar spent. You can redeem your points for game tickets, gift cards and an array of team experiences — or for statement credit to repay your account balance.
• Discounts. Use this card to shop online at NFLShop.com and get 20% off purchases. That’s a saving of $20 on every $100 you spend. (This has changed for all teams except the Bears, Colts, Patriots, Eagles, Steelers, Vikings, Rams and Redskins.)
• Ticket financing. Use this card to pay for NFL tickets at any NFL team ticket office to be eligible for a promotional 0% APR for six billing cycles. At the end of six billing cycles, the variable APR adjusts to an APR that varies according to your creditworthiness.
• Balance transfer offer. This card comes with a promotional balance transfer APR of 0% that stays in place for 15 months and applies to balance transfers made within 45 days of opening the account. Once the promotional period expires, the APR adjusts to 18.24%, 23.24% or 28.24% variable for all outstanding balances. A balance transfer fee applies.

Cons

• Smaller intro offer on purchases. This card comes with just a six billing cycles 0% APR intro offer on purchases.

• More details

  Annual fee	$0
  Purchase APR	0% intro for the first six billing cycles (then 18.24%, 23.24% or 28.24% variable)
  Balance transfer APR	0% intro for the first 15 months (then 18.24%, 23.24% or 28.24% variable)
  Welcome Offer	10,000 points after spending $500 in the first 90 days
  Rewards	Up to 2x points

Welcome Offer	10,000 points
Rewards	Up to 2x points
Annual Fee	$0
Minimum Credit Score	670

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Best for Hawaiian Airlines flyers

Hawaiian Airlines® World Elite Mastercard®

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If you often fly between Hawaii and North America, this may be the right card for you. Aside from earning miles on your purchases, you get a $100 companion discount each year for a roundtrip between Hawaii and North America on Hawaiian Airlines.

• Pros and cons

  Pros

  • Hawaiian miles. Earn 3x miles on Hawaiian Airlines purchases, 2x miles on gas, dining and grocery store purchases and 1x miles on everything else you buy.
  • Signup bonus. Earn 60,000 bonus miles after you spend $2,000 in the first 90 days of account opening.
  • Companion discount. Every year on your card anniversary, you get a $100 companion discount for a round trip between Hawaii and North America on Hawaiian Airlines. This perk alone offsets the card's annual fee.

  Cons

  • Balance transfer limitations. To use the intro APR period, make sure your balance transfers post within 45 days of your account opening. For each transfer, you’ll pay either $5 or 3% of the transaction, whichever is greater.
  • Annual fee. To own the card, you’ll pay $99 each year.
  • Potentially high APR. Depending on your credit, you can have a purchase APR of 18.24%, 22.24%, or 27.24% variable.

• More details

  Annual fee	$99
  Purchase APR	18.24%, 22.24%, or 27.24% variable
  Balance transfer APR	0% intro for the first 15 billing cycles (then 18.24%, 22.24%, or 27.24% variable)
  Welcome Offer	60,000 miles after spending $2,000 in the first 90 days 20,000 bonus HawaiianMiles after spending a total of $4,000 on purchases within the first 6 months
  Rewards	Up to 3x miles

Pros

• Hawaiian miles. Earn 3x miles on Hawaiian Airlines purchases, 2x miles on gas, dining and grocery store purchases and 1x miles on everything else you buy.
• Signup bonus. Earn 60,000 bonus miles after you spend $2,000 in the first 90 days of account opening.
• Companion discount. Every year on your card anniversary, you get a $100 companion discount for a round trip between Hawaii and North America on Hawaiian Airlines. This perk alone offsets the card's annual fee.

Cons

• Balance transfer limitations. To use the intro APR period, make sure your balance transfers post within 45 days of your account opening. For each transfer, you’ll pay either $5 or 3% of the transaction, whichever is greater.
• Annual fee. To own the card, you’ll pay $99 each year.
• Potentially high APR. Depending on your credit, you can have a purchase APR of 18.24%, 22.24%, or 27.24% variable.

• More details

  Annual fee	$99
  Purchase APR	18.24%, 22.24%, or 27.24% variable
  Balance transfer APR	0% intro for the first 15 billing cycles (then 18.24%, 22.24%, or 27.24% variable)
  Welcome Offer	60,000 miles after spending $2,000 in the first 90 days 20,000 bonus HawaiianMiles after spending a total of $4,000 on purchases within the first 6 months
  Rewards	Up to 3x miles

Welcome Offer	60,000 miles
Rewards	Up to 3x miles
Annual Fee	$99
Minimum Credit Score	670

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Best for hotel stays value

Choice Privileges® Visa Signature® Card

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This card is definitely worth checking out if you're looking for a hotel card with excellent reward value. That's because you get to earn one of the highest rewards rates on your Choice Hotel stays, you get Elite Gold Status and special member rates on your Choice Hotel bookings.

• Pros and cons

  Pros

  • Reward points. Earn 15x points at eligible Choice Hotels and 2x points on all other purchases.
  • Signup bonus. Earn 50,000 bonus points after you spend $1,000 in the first 90 days of card membership. This is enough for up to four free nights at select Choice hotels.
  • No annual fee. You get to use this card and earn rewards without paying an annual fee.

  Cons

  • Balance transfer limitations. To take advantage of the long intro APR period on balance transfers, your transfers must post within 45 days of opening your account.
  • Potentially high APR. Depending on your credit, you could see a variable purchase of 27.24% and balance transfer APR as high as 27.24%.Penalty fees. For late and returned payments, you’re on the hook for fees of up to $40. On the positive side, the card imposes no penalty APR.
  • Foreign transaction fee. Use this card when traveling abroad, and you’ll pay a fee equal to 3% of every transaction you make. Fees can add up quickly over a several days’ trip.

• More details

  Annual fee	$0
  Purchase APR	17.99%, 22.24% or 27.24% variable
  Balance transfer APR	0% intro for the first fifteen billing cycles (then 17.99%, 22.24% or 27.24% variable)
  Welcome Offer	50,000 bonus points after spending $1,000 on purchases in the first 90 days 25,000 bonus points after spending $2,000 on purchases in the first 180 days
  Rewards	Up to 15x points

Pros

• Reward points. Earn 15x points at eligible Choice Hotels and 2x points on all other purchases.
• Signup bonus. Earn 50,000 bonus points after you spend $1,000 in the first 90 days of card membership. This is enough for up to four free nights at select Choice hotels.
• No annual fee. You get to use this card and earn rewards without paying an annual fee.

Cons

• Balance transfer limitations. To take advantage of the long intro APR period on balance transfers, your transfers must post within 45 days of opening your account.
• Potentially high APR. Depending on your credit, you could see a variable purchase of 27.24% and balance transfer APR as high as 27.24%.Penalty fees. For late and returned payments, you’re on the hook for fees of up to $40. On the positive side, the card imposes no penalty APR.
• Foreign transaction fee. Use this card when traveling abroad, and you’ll pay a fee equal to 3% of every transaction you make. Fees can add up quickly over a several days’ trip.

• More details

  Annual fee	$0
  Purchase APR	17.99%, 22.24% or 27.24% variable
  Balance transfer APR	0% intro for the first fifteen billing cycles (then 17.99%, 22.24% or 27.24% variable)
  Welcome Offer	50,000 bonus points after spending $1,000 on purchases in the first 90 days 25,000 bonus points after spending $2,000 on purchases in the first 180 days
  Rewards	Up to 15x points

Welcome Offer	50,000 points
Rewards	Up to 15x points
Annual Fee	$0
Minimum Credit Score	670

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Best for cruisers

Carnival® World Mastercard®

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This is one of the best cruise line credit cards because aside from earning rewards on your purchases, you get a 0% promotional APR on your cruise line bookings, a solid signup bonus and a 10% back in the form of statement credit on shore excursions.

• Pros and cons

  Pros

  • Rewards. Earn 2x points on Carnival Cruise Line and x points on all other purchases.
  • Annual fee. None. If you’re approved for this card, you won’t pay a fee to start using it. You can start earning rewards at no cost.
  • Signup bonus. bonus points after your first purchase or balance transfer. According to the provider’s site at the time of writing, these points are enough for a $200 statement credit toward a cruise purchase with Carnival or World’s Leading Cruise Lines brands.
  • Intro APR. 0% for after each balance transfer that posts to your account within the first 45 days of card membership. While it lacks a purchase intro APR, this is a strong intro-APR period for balance transfers. Zero-percent-interest promotions usually top out at around 20 months.

  Cons

  • Few elevated-rewards categories. You will earn elevated rewards only on purchases with Carnival Cruise Line and World Leading Cruise Lines brands. If you do not spend much with them, consider another card that offers more lucrative rewards.
  • Time limit for balance transfer promotion. To receive the intro APR on balance transfers, your transfers must post within the first 45 days. If they post after that time, they will accrue interest at a 17.24%, 23.24%, or 27.24% variable APR.

• More details

  Annual fee	$0
  Purchase APR	0% intro for the first 6 months (then 17.24%, 23.24%, or 27.24% variable)
  Balance transfer APR	0% intro for the first 15 months (then 17.24%, 23.24%, or 27.24% variable)
  Welcome Offer	Earn $250 off your next cruise purchase after spending $500 in the first 90 days
  Rewards	Up to 2x points

Pros

• Rewards. Earn 2x points on Carnival Cruise Line and x points on all other purchases.
• Annual fee. None. If you’re approved for this card, you won’t pay a fee to start using it. You can start earning rewards at no cost.
• Signup bonus. bonus points after your first purchase or balance transfer. According to the provider’s site at the time of writing, these points are enough for a $200 statement credit toward a cruise purchase with Carnival or World’s Leading Cruise Lines brands.
• Intro APR. 0% for after each balance transfer that posts to your account within the first 45 days of card membership. While it lacks a purchase intro APR, this is a strong intro-APR period for balance transfers. Zero-percent-interest promotions usually top out at around 20 months.

Cons

• Few elevated-rewards categories. You will earn elevated rewards only on purchases with Carnival Cruise Line and World Leading Cruise Lines brands. If you do not spend much with them, consider another card that offers more lucrative rewards.
• Time limit for balance transfer promotion. To receive the intro APR on balance transfers, your transfers must post within the first 45 days. If they post after that time, they will accrue interest at a 17.24%, 23.24%, or 27.24% variable APR.

• More details

  Annual fee	$0
  Purchase APR	0% intro for the first 6 months (then 17.24%, 23.24%, or 27.24% variable)
  Balance transfer APR	0% intro for the first 15 months (then 17.24%, 23.24%, or 27.24% variable)
  Welcome Offer	Earn $250 off your next cruise purchase after spending $500 in the first 90 days
  Rewards	Up to 2x points

Welcome Offer	$250
Rewards	Up to 2x points
Annual Fee	$0
Minimum Credit Score	670

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How to apply for a Barclaycard card

Apply for a Barclaycard credit card through its site. Before you apply, check that you meet the eligibility requirements and prepare the required information.

Application restrictions

Barclaycard has one application restriction: You can’t have two cards of the same type. For example, you can have only one JetBlue card or one Wyndham Rewards card. Make sure you choose the one card that makes the most sense for your situation.

How many Barclaycard cards can I have?

Barclaycard doesn’t limit the number of credit cards you can have, unlike some other providers. You can have as many Barclaycard cards as you can get an approval for.

Types of Barclaycard credit cards

Barclaycard credit cards are primarily travel cards, with over 20 to choose from. However, these cards often have other features to consider.

Standout benefits of a Barclaycard card

• Mostly reward cards. Almost every Barclaycard product is a rewards card. This is one reason the provider typically looks for customers with strong credit.
• Wide variety of travel options. Barclaycard offers more travel cards than perhaps any other provider. This includes more niche travel card offerings, such as resort credit cards and cruise credit cards.
• Signup bonuses. Similar to how most Barclaycards offer rewards, you’ll usually find a signup bonus with each card. For the best bonuses, look at Barclaycard’s general travel cards.
• Cobranded offerings. Barclaycard offers a variety of unusual cobranded cards, including cards for the NFL.

Full list of Barclaycard credit card reviews

Frequently asked questions

What is Barclaycard’s premium credit card?
If you’re looking for a The Platinum Card® from American Express or Chase Sapphire Reserve® rival, you won’t find it with Barclaycard.

How does Barclaycard keep my information secure?
Barclaycard uses many of the standard security measures in the credit card space, including Secure Sockets Layer (SSL) technology, 24/7 fraud monitoring and alerts, and EMV chip technology.