Compare Barclaycard credit cards that offer generous points structures — including cards with no annual fees, frequent flyer rewards, balance transfer promotions, and low interest rates.
Barclays bank, the parent company of Barclaycard, has a storied pedigree with origins in London of 1690. Barclaycard — the UK’s first credit card — was created in 1966. Backed by a rock-solid financial institution and energized by partnerships with global entertainment brands, Barclaycard offers reliable credit and generous rewards to all cardholders.
Barclaycard is a strong contender if you want to be rewarded consistently for your spending. You’ll find cards that offer rewards for world-class brands like Carnival, Apple, JetBlue, and the NFL. Furthermore, Barclaycard credit cards offer top-notch points structures, advantageous balance transfer promotions, and low or no annual fees. Take a look at the credit cards Barclaycard has to offer and pick the one that suits you best.
Barclaycard Arrival Plus World Elite MasterCard
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
- Get 5% miles back
- Earn 2X miles on all purchases
- Miles don't expire
- Find the best travel deal
- Redeem your miles for travel statement credits
- No foreign transaction fees
Barclays, the distributor of the Barclaycard, has received numerous awards. Here are a few of them:
- Bank of the year – HealthInvestor Magazine named Barclays the winner in its 2016 Bank or Lender of the Year awards category.
- Best global debt capital markets house – Barclays was named the best global debt capital markets house in Euromoney’s 2015 Awards for Excellence.
- Best trade finance bank in the UK – Global Trade Review named Barclays the UK’s best trade finance bank in its 2015 Trade Awards.
Types of Barclaycard credit cards
As with many banks, there are multiple credit cards offered by Barclaycard. It’s always a good idea to conduct research between different cards before deciding which one you want to apply for.
For each card, first consider the interest rate for purchases, cash advances, and balance transfers. Next, consider what perks each card offers. Barclaycard has partnered with global entertainment brands to offer generous rewards cards. Whether you love football, going on cruises, or staying in hotels, Barclaycard will likely have a card that works for you.
- Balance transfer credit cards
All of Barclaycard’s credit cards offer balance transfers. If this is an important feature to you, you might want to look closely at the cards that offer 0% intro APRs for balance transfers. For many Barclaycard cards, you’ll enjoy interest-free balance transfers that you make within 45 days of opening your account. Keep in mind the fees you’ll pay when initiating a balance transfer; for Barclaycard, the fee is typically $5 or 3% of the transaction amount (whichever is greater).To initiate a balance transfer, have your current credit card details on hand. After Barclaycard approves your application, they will process your balance transfer on the 10th day after they’ve mailed your card. Until that time, continue to pay your debts as usual.
- Low-rate credit cards
Most Barclaycard credit cards have interest rates that can vary based on your credit. The rate generally starts at a low of around 15-16% to a high of 20-25%. For a card with a relatively low APR, consider the JetBlue Card — its lowest interest rate is 12.24%. If you anticipate making many purchases shortly after opening your account, consider the RCI Elite Rewards MasterCard, which offers 0% APR for the first six billing cycles.
- Low-fee credit cards
Many Barclaycard credit cards have no annual fees. Others, like the Frontier Airlines World MasterCard, Hawaiian Airlines World Elite MasterCard, and Miles & More World Elite MasterCard, come with annual fees under $100.For transaction fees, the Barclaycard suite is quite uniform throughout. Typically, you’ll pay fees for balance transfers ($5 or 3% of the transaction amount, whichever is greater), cash advances ($10 or 5% of the transaction amount, whichever is greater), and foreign transactions (3% of the transaction amount in U.S. dollars). For a card with no foreign transaction fees or annual fee, take a look at the Holland America Line Rewards Visa Card.
- Rewards credit cards
If you’re looking for rewards, a Barclaycard credit card is perfect for you: All cards in the Barclaycard suite come with rewards based on your spending. Many of them offer introductory points bonuses when you hit initial spending targets, and you’ll continue to earn points on everyday purchases after obtaining those bonuses.If you’re a frequent traveler, you’ll like Barclaycard’s partnerships with companies like Carnival, Hawaiian Airlines, JetBlue, and Wyndham; the various travel rewards cards offer exclusive discounts and coupons you can use while exploring the world. If you happen to enjoy Apple products or the NFL, Barclaycard has high-quality offerings for you as well.
- Frequent flyer credit cards
Barclaycard’s frequent flyer credit cards are a good choice if you fly often with specific airlines. Take a look at the Frontier Airlines World MasterCard, Hawaiian Airlines World Elite MasterCard, JetBlue Card, and Lufthansa Miles & More World Elite MasterCard. With each card, you’ll earn more points for purchases from the specified airline and receive perks like lounge access, discounts on tickets, and preferred seating.Most of the frequent flyer cards come with annual fees. Luckily, however, all of the annual fees are below $100 (many frequent flyer cards can come with annual fees of up to several hundred dollars).
- Cruise rewards credit cards
Barclaycard offers three cards for cruise lines: the Carnival World MasterCard, Holland America Line Rewards Visa Card, and Princess Cruises Rewards Visa Card. Each card comes with a $0 annual fee as well as an APR of around 15% if you qualify. As with Barclaycard’s frequent flyer credit cards, you’ll receive more points when you use your card with the respective cruise lines.
- Hotel rewards credit cards
Barclaycard’s hotel rewards credit cards are a great way to rack up points if you find yourself staying at the same venue through your travels. Your options in this category are the Choice Privileges Visa Signature Card, Diamond Resorts International MasterCard, RCI Elite Rewards MasterCard, and Wyndham Rewards Visa Card. Each card in this category comes with a $0 annual fee, and you’ll receive more points when you use your card at the respective hotel chains.
- Other rewards credit cards
For Barclaycard’s general rewards cards, look for the Barclaycard Arrival Plus World Elite MasterCard and the Barclay Rewards MasterCard. The former gives you 40,000 bonus miles if you spend $3,000 within the first 90 days, as well as double miles on everything you purchase; the latter gives you double points on grocery, utility, and gas purchases.Other general rewards cards include the Barclaycard Visa with Apple Rewards (offering generous financing and points rewards for Apple products), NFL Extra Points card (perfect for fans who love spending on football-related purchases), and Priceline Rewards Visa Card (a multipurpose travel card that gives you 5x points on Priceline.com purchases).
The benefits of banking with Barclaycard
- Cards from top-tier partners
Barclaycard works with global leaders in various industries to create attractive rewards cards. The company has worked with partners like L.L.Bean, the NFL, Carnival, JetBlue, and more.
- Free access to financial tools
All Barclaycard members can view their FICO credit scores for free, receive educational material on financial security, and use Barclaycard’s tools to manage spending. These are highly useful tools for any cardholder, as they’ll facilitate careful use of credit.
- $0 Fraud Liability protection
Barclaycard offers its $0 Fraud Liability protection, which absolves you from responsibility for unauthorized purchases made with your card.
- MasterCard and Visa
Barclaycard offers a range of cards from MasterCard and Visa, two cards that are accepted widely around the world. Not only will you receive rewards from Barclaycard’s partnerships with various brands around the world, but you’ll also enjoy benefits from MasterCard and Visa (concierge services, travel benefits, etc.).
How to apply for a Barclaycard credit card
If you’d like to apply for a Barclaycard credit card, you can start the application process by clicking “Go to Site” next to any of the cards listed on this page. As with most credit cards, there will be eligibility requirements for Barclaycard. You will need to meet a minimum level of income depending on which card you wish to apply for. Because many Barclaycard credit cards offer generous rewards, it is recommended to have strong credit before applying.
Information needed for a Barclaycard credit card application
When applying for a Barclaycard credit card, have the following information available to expedite the process.
- Driver’s license and Social Security number.
- Personal details. Have personal details ready (your residential address, phone number, email address, etc.) for your application.
- Financial details. You will also need to provide details like employment information and total annual income.
Frequently asked questions
These are some of the most frequently asked questions about Barclaycard credit cards. If you still have questions about Barclaycard credit cards, feel free to get in touch with us anytime.
How do I get the initial bonus points for my card?
Many Barclaycard credit cards offer bonus points if you hit a spending target within a specified time of opening your account. For some cards, all you need to do is purchase something with your card once to unlock the points. For other cards, you will need to spend certain dollar amounts. As always, it’s best to read your card’s Terms and Conditions to find specific details. Remember that most cards require you to hit your spending target within a certain time period (45 days, for example).
Will I know for sure what my card’s APR will be before I apply?
Unfortunately, it won’t be possible to know what APR you’ll have until your application is approved. The best you can do is find the range of rates you might receive; for example, with the Barclaycard Visa with Apple Rewards, you’ll have an APR of 14.24%, 20.24%, or 27.24%. Of course, the better your credit, the better your chances of receiving a favorable interest rate.
If it’s important for you to have a low initial interest rate, consider the RCI Elite Rewards MasterCard. This card offers a 0% intro APR for the first six billing cycles after you open your account.
What are the charges if I make an overseas transaction?
Many Barclaycard credit cards come with foreign transaction fees, so consider those fees before applying for a card and before using your card overseas. Typically, the Barclaycard foreign transaction fee is 3% of the transaction amount in U.S. dollars. Some cards, like the Barclaycard Arrival Plus World Elite MasterCard and the Carnival World MasterCard, offer no foreign transaction fees.
What is my Barclaycard credit card monthly statement?
Each month, you’ll receive a summary of the transactions you’ve made with your card. You’ll see purchases you’ve made and whether you’ve accrued rewards or points with your card. By default, you’ll get your statements via mail, but you can sign up for paperless statements that are viewable online.
What should I know about my Barclaycard credit card’s interest charges?
As with all credit cards, it’s often a good idea to pay off your balance in full each month to avoid accruing interest. With Barclaycard, you will not be charged interest if you pay off your balance by your monthly due date. If you are charged interest, you’ll be assessed at least $0.50.
What are Barclaycard’s late fees?
When paying late, you’ll typically be charged a fee of up to $37. To make it easier to avoid late fees, you can sign up for automatic online payments at the Barclaycard website.
Does Barclaycard require a minimum credit score to apply?
There is no exact credit score required to apply for a Barclaycard. However, because many Barclaycard cards come with generous rewards — and rewards cards typically require higher credit scores — it is recommended that you only apply for a Barclaycard with strong credit.
How does Barclaycard protect me from fraud?
Barclaycard has a feature called SecurPass, which is a verification method to confirm your identity whenever your account is accessed. You’ll also receive fraud text alerts that will notify you when there is suspicious activity on your card. Furthermore, Barclaycard offers its $0 Fraud Liability protection, which means you are not responsible for unauthorized purchases made with your card.
Does Barclaycard offer a mobile app?
Yes, Barclaycard offers a free mobile app. You can use it to access your account, track your spending, see your current balance, pay bills, and even transfer balances.