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Barclaycard offers great travel products and an excellent cashback card.
Unlike other providers, Barclaycard focuses its cards mostly on one niche: travel. There are many options to choose from, from general travel cards to cobranded cards.
Compare Barclaycard credit cards
Barclaycard offers over 20 products and you may like its partnerships offerings if you’re a loyal customer of companies like JetBlue or Princess Cruises. Otherwise, you might find one of the following cards to be more useful for a variety of spending.
Our pick for Barclaycard credit card
Barclaycard Ring® Mastercard®
Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
Low 14.24% variable APR on purchases and cash advances
NEW - Control your card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
Best for travel rewards: Barclaycard Arrival® Plus World Elite Mastercard®
Barclaycard Arrival® Plus World Elite Mastercard®
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
Earn unlimited 2X miles on every purchase
NEW - Control your card - instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
Get 5% miles back to use toward your next redemption, every time you redeem
No foreign transaction fees
International chip and PIN for use at self-service chip terminals around the world
Miles don’t expire as long as your account is open, active and in good standing
The Barclaycard Arrival® Plus World Elite Mastercard® has long been a top pick among travel cards. It maintains such distinction thanks to its strong rate of 2x miles on every purchase. If you don’t want to worry about tiered rewards, this Barclaycard product is for you.
Before settling on a Barclaycard product, check out the provider’s cobranded cards from companies such as JetBlue, Hawaiian Airlines and Princess Cruises.
Signup bonus: 70,000 miles.
To earn this bonus, spend $5,000 on purchases in the first 90 days of your account opening and pay the annual fee. It’s worth $600 in statement credit toward qualifying travel purchases.
Rewards: A great rate on every purchase.
Earn unlimited 2x miles on all purchases.
Intro APR: 0% intro APR on balance transfers for 12 billing cycles on balance transfers made within the first 45 days.
After that, your balance transfer APR will be 18.24%, 22.24% or 25.24% variable. Even during the intro period, there’s a balance transfer fee of $5 or 3% of the transaction, whichever is greater.
5% miles back each time you redeem.
A nice little perk that boosts the value of your rewards.
No foreign transaction fees.
Use your card abroad and at foreign websites, and avoid the typical 3% transaction fee charged by other providers.
$89 annual fee after the first year.
The Barclaycard Arrival® Plus World Elite Mastercard® has a $0 annual fee the first year, followed by an $89 annual fee after that.
The Uber Visa Card is perfect for the social butterfly who’s tapped into current trends and always on the go. With its superb cash back, some might say it’s the ultimate lifestyle credit card. A $0 annual fee is icing on the cake.
Annual fee: None.
A great deal for such a powerful card.
Rewards: Great rewards in multiple categories
Earn 4% cash back on restaurant spending, takeout and bar purchases. Earn 3% back on airfare, hotels and vacation home rentals. Earn 2% back on online purchases such as Uber and online shopping. And earn 1% back on everything else.
No foreign transaction fees.
Use your card abroad and at foreign websites, and avoid the typical 3% transaction fee charged by other providers.
No intro APR.
You’ll receive the normal APR on all balances right away.
Best for low APR: Barclaycard Ring® Mastercard®
Barclaycard Ring® Mastercard®
Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
Low 14.24% variable APR on purchases and cash advances
NEW - Control your card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
The key reason to get the Barclaycard Ring® Mastercard® isn’t its solid-but-not-spectacular intro APR or balance transfer fee promotion. It’s the card’s relatively low ongoing APR, which is just 14.24% variable for all balances. That’s a pretty good rate considering the average credit card APR is around 16%.
Annual fee: None.
Get a low APR without having to shell out to keep the card.
Intro APR: 0% intro APR on balance transfers for 15 months.
After that, your balance transfer APR will be 14.24% variable. In the first 45 days a balance transfer fee of $5 or 2% of the transfer, whichever is greater will apply. However, there’s a $0 fee on balance transfers after that.
Low ongoing APR.
Your normal APR for all balances is 14.24% variable. That’s a relatively low rate given the average credit card APR is around 16%.
Balance transfer fees.
If you want to take advantage of the intro balance transfer APR, you’ll pay a fee $5 or 2% of any transfers you make during the first 45 days. After that, the balance transfer fee is $0 but transfers will be subject to the ongoing APR of 14.24%.
Barclaycard rewards program
For its reward cards, Barclaycard offers either miles or cash back.
You’ll receive your cash back in the form of points that you can spend on rewards that include:
Statement credit.
Bank deposit.
Gift cards.
If your card gives miles, you can redeem them for a variety of rewards, including:
Travel statement credits.
Cash back.
Gift cards.
Merchandise.
How can you redeem rewards?
To redeem rewards, log in to your Barclaycard account and click on the Rewards tab.
How much are rewards worth?
Barclaycard miles are worth the industry standard of 1 mile = 1 cent. You’re more likely to get this rate if you redeem for travel statement credit. If you redeem for other rewards — such as gift cards — your miles might be worth less than the standard rate.
Typical card features and benefits of a Barclaycard card
Rewards. Almost every Barclaycard product is a rewards card. This is one reason the provider typically looks for customers with strong credit.
No annual fee. Many Barclaycard products come with no annual fee. An exception is the Barclaycard Arrival® Plus World Elite Mastercard® which has a $89 starting the second year.
Ongoing APR between 16% and 26% variable. With strong credit, you may qualify for an ongoing APR near the bottom of this range. With weaker credit, you may get a relatively high APR around 26%. There are also a variety of Barclaycards with intro APR periods.
Signup bonus. You’ll usually find a signup bonus with each card. For the best bonuses, look at Barclaycard’s general travel cards such as the Barclaycard Arrival® Plus World Elite Mastercard®.
Apply for a Barclaycard credit card through its site. Before you apply, check that you meet the eligibility requirements and prepare the required information.
Eligibility criteria
You’re at least 18 years old.
You’re a resident of the US, but excluding Puerto Rico and US territories.
Information you’ll need
To complete the application, you’ll need to provide information that includes:
Your name and residential address.
Your Social Security number.
Your email address, phone number and date of birth.
Financial information like your annual income and income source.
How does Barclaycard keep my credit card information secure?
Barclaycard encrypts personal information you send online with Secure Sockets Layer (SSL) and Transport Layer Security (TLS). It’ll log you out automatically if your web session experiences a period of inactivity.
The bank offers 24/7 fraud monitoring. You won’t be liable for unauthorized charges to your card. And, for extra security, you can sign up for Fraud Text Alerts. If Barclaycard spots an unusual transaction on your card account, it’ll let you know through a text message.
Most Barclaycard cards come with chip technology, which makes them more secure than magnetic-stripe cards. Additionally, many of the cards come with chip-and-PIN capability. That means you can use your card at most unmanned kiosks and PIN-only merchants.
Bottom line
A Barclaycard product can be the perfect choice if you’re looking for a strong travel card. Beyond its excellent general travel cards, you’ll find cobranded products that reward you if you’re loyal to certain companies.
No, you don’t need to pay an extra fee for a chip card.
Barclaycard assigns you a four-digit PIN when it opens your account. If you want to change your PIN, just call the number on the back of your card and speak to a representative.
Unfortunately, you won’t know your APR until Barclaycard approves your application. Of course, the stronger your credit, the better your chances of receiving a good interest rate.
Kevin Joey Chen is a credit cards writer at finder.com. He's passionate about helping you get your finances in order and travel the world like a pro. He's taken an extended trip around Europe as a digital nomad, gaining firsthand experience with exchange rates, ideal (and not-so-ideal) credit and debit cards, foreign transactions and budgeting strategies. He earned his BA from UC Davis and has written across many niches at Finder, including cryptocurrency, personal loans, car insurance, real estate and money transfers.
We don’t have a list of credit cards available for those under 18, but we have a credit card guide for teens where you can check your alternative options.
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Im 17 and in need of a credit card where can I apply for I’m only being 17?
Hi Alisha,
Thanks for your question.
We don’t have a list of credit cards available for those under 18, but we have a credit card guide for teens where you can check your alternative options.
Cheers,
Anndy