Barclaycard Avios Card review 2022

Fly high and earn Avios on your day-to-day spending and enjoy the first-class introductory bonus with the Barclaycard Avios Credit Card.

Take a seat and prepare for the take-off of the new Barclaycard Avios credit cards where you can earn Avios on your daily spending.

  • Earn Avios on all your spending, without paying an annual fee.
  • You may be offered an opening credit limit as low as £50.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).

Up to 5,000 points

Intro bonus

23.9%

Representative APR

0%

Balance transfer fee

£0

Account fee

Details

IssuerBarclaycard
NetworkMastercard
Representative APR23.9% APR (variable)
Annual/monthly fees£0
Loyalty schemeAvios
IncentiveEarn 5,000 Avios when you spend £1,000 on card over the first 3 months of opening. Terms apply. New members only. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking.Terms apply.
Incentive on openingNew members offer: Earn a welcome bonus of 5,000 Avios when you spend £1,000 on card over the first 3 months of opening. Terms apply.
Additional Rewards InfoBuy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues. Earn up to 15% cashback on selected retailers with Barclaycard Cashback Rewards.
Purchases23.9%
Purchases interest-free period (days)56
Balance transfers23.9%

Review by


Emily Herring is a Publishing Executive at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media.

Expert review

If you’re a frequent flyer or are looking to start earning some tasty air miles ready for your summer holidays, take a seat and prepare for the take-off of the new Barclaycard Avios credit cards. Yes, that’s right, Barclaycard has launched not 1 but 2 rewards credit cards with partner Avios, but do they have the potential to leave American Express on the runway?

With the Barclaycard Avios card you can collect 1 Avios per £1 on your everyday spending, plus the opportunity to receive a British Airways cabin upgrade voucher if you meet the spend limit. Oh, and not to mention the first-class 5,000 Avios welcome bonus. Learn how to make the most out of your Avios with our helpful guide.

The Barclaycard Avios Card is a great option for those who want to start building up their Avios without the cost of an annual fee. But if you’re in the position to stretch your wallet a little further and part with £20 per month to pay for this card’s big sister, Barclaycard is offering a premium option where you can receive an exclusive welcome bonus of 25,000 Avios and a rate of 1.5 Avios per £1 spent, as long as you repay the card in full each month.

Both of the Barclaycard Avios Cards come with a fairly exclusive eligibility requirement and you must be at least 21 to be able to apply.

Just like any other rewards credit card, if you want to max out your rewards you will need to repay your card balance in full each month, otherwise you could be paying more in interest and any missed payments could damage your credit score. Start comparing our rewards credit cards today.

Pros and cons

Pros

  • Earn Avios on your day-to-day spending.
  • Generous introductory bonus.
  • No annual fee.
  • Up to 56 days interest free.
  • Cabin upgrade voucher when you spend £20,000 within 12 months.
  • Up to 5 months of free Apple subscriptions.
  • Customers report excellent customer service when dealing with Barclaycard.
  • You can use Mastercard almost everywhere, both in the UK and overseas.

Cons

  • Minimum annual income requirement of £20,000.
  • Those with deep pockets might benefit more from the Avios Plus Card.
  • You may be offered an opening credit limit as low as £50.
  • Introductory bonus limited to new Barclaycard members.
  • This card carries a 2.99% foreign usage charge.

How does it compare with rival American Express?

1 - 3 of 3
Name Product Max. intro bonus Default earn-rate Additional cards available Annual/monthly fees Link Additional rewards
Barclaycard Avios Card
5,000 points
1 point per £1 spent
4
£0
New members offer: Earn a welcome bonus of 5,000 Avios when you spend £1,000 on card over the first 3 months of opening. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
British Airways American Express® Credit Card
5,000 points
1 point per £1 spent
1
£0
Check eligibility
Earn 5,000 points when you spend £1K within 3 months of account opening.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
The American Express Rewards® Credit Card
10,000 points
1 point per £1 spent
1
£0
Check eligibility
Earn 10,000 bonus Membership Rewards® points when you spend £2,000 in first 3 months of Cardmembersh
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
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1 - 3 of 3
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Barclaycard Avios Card
23.9%
23.9%
(0% fee)
£0
23.9% APR (variable)
Earn 5,000 Avios when you spend £1,000 on card over the first 3 months of opening. Terms apply. New members only. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking.Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
British Airways American Express® Credit Card
26%
26%
(3% fee)
£0
26% APR (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
The American Express Rewards® Credit Card
26%
26%
(3% fee)
£0
26% APR (variable)
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through Barclaycard's app, by logging in to your online banking or over the phone(0800 151 0900). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for this Barclaycard

If you've compared cards and settled on the Barclaycard Avios Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

The Verdict

As a new contender in the travel rewards credit card market, the Barclaycard Avios Card has some tough competition to beat, particularly with the crowd pleasing British Airways American Express credit card. But with its no annual fee and reasonable interest rates, oh, and the generous welcome bonus, it’s plain to see that this new card has the potential to help you fly high, as long as you repay the balance in full each month.

How does it compare?

Barclaycard's card

1 - 1 of 1
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
Barclaycard Avios Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
23.9% APR (variable)
Earn 5,000 Avios when you spend £1,000 on card over the first 3 months of opening. Terms apply. New members only. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking.Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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Other popular reward cards

Table: sorted by representative APR, promoted deals first
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Rewards Offer Mastercard
N/A
2 points per £1 spent
1 point per £5 spent
£0
19.9% APR (variable)
Check eligibility
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Credit Card
N/A
1 point per £1 spent
1 point per £5 spent
£0
21.9% APR (variable)
Check eligibility
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
M&S Bank Credit Card Transfer Plus Offer Mastercard
N/A
1 point per £1 spent
1 point per £5 spent
£0
21.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Santander All in One Credit Card
N/A
0.5% cashback
0.5% cashback
£3 per month
24.7% APR (variable)
Check eligibility
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Frequently asked questions

What credit limit will I get with the Barclaycard Avios Card?

If Barclaycard is able to offer you this deal, the offer will specify a personalised credit limit based on Barclaycard's assessment of your situation. The minimum limit offered on this card is £50 and Barclaycard does not specify a maximum. Once you've had the card for a while and shown Barclaycard that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Barclaycard Avios Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Barclaycard Avios Card is 2.99% (min. £2.99). For example, if you withdraw £50, you'll incur a fee of £2.99. Withdraw £250, and you'll incur a fee of £7.48.

The interest rate on this part of your balance will be 23.9%, which is the same as the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Barclaycard Avios Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£178.89), it'll cost you around £5.35 in fees.

What is the minimum payment on the Barclaycard Avios Card?

Each month you must pay at least 3.25% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £138.46 outstanding, you'd pay £5.00, and if you had £615.38 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt.

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Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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