Barclaycard Avios Plus Card review

The Barclaycard Avios Plus Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

How does it compare with rival American Express?

• Features
• Fees

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Max. intro bonus (low-high)Max. intro bonus (high-low)Default earn-rate (low-high)Default earn-rate (high-low)Additional cards available (low-high)Additional cards available (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Additional rewards (low-high)Additional rewards (high-low)

Product	Max. intro bonus	Default earn-rate	Additional cards available	Annual/monthly fees	Additional rewards
Promoted Capital on Tap Pro Credit Card Finder Award	10,000 points	1 point per £1 spent		£299	Earn 10,000 bonus points when you spend £5,000 in your first 3 months. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 35.28% (variable) p.a., your representative rate is 111.39% APR (variable).	Go to site More info Compare product selection Compare	loading
Promoted Funding Circle Business Cashback Card Cashback	£2,000	1% cashback		£0	Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply. Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)	Go to site More info Compare product selection Compare	loading
Promoted Moss Business Cashback Card	N/A	N/A		Subject to plan		Go to site More info Compare product selection Compare	loading
Barclaycard Avios Plus Card	25,000 points	1.5 points per £1 spent	4	£20 per month	Representative example: Representative 80.1% APR variable. Based on £20 monthly fee, assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selection Compare	loading
British Airways American Express® Premium Plus Card Finder Award	30,000 points	3 points per £1 spent	1	£300 per year	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: Representative 137.8% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Finder Score (low-high)Finder Score (high-low)Purchases (low-high)Purchases (high-low)Balance transfers (low-high)Balance transfers (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)

Product	Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Key benefit	Representative example
Promoted Finder score 9.9Excellent Capital on Tap Pro Credit Card Finder Award	Finder score 9.9Excellent	35.28%	( fee)	£299	111.39% APR (variable)	Earn 10,000 bonus points when you spend £5,000 in your first 3 months. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 35.28% (variable) p.a., your representative rate is 111.39% APR (variable).	Go to site More info Compare product selection Compare	loading
Promoted Finder score 9.8Excellent Funding Circle Business Cashback Card Cashback	Finder score 9.8Excellent	34.9%	( fee)	£0	34.9% APR (variable)	Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply.	Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)	Go to site More info Compare product selection Compare	loading
Promoted Finder score 8.6Great Moss Business Cashback Card	Finder score 8.6Great	N/A (this product is a charge card).	( fee)	Subject to plan	N/A (this product is a charge card).	Go to site More info Compare product selection Compare	loading
Finder score 9.1Excellent Barclaycard Avios Plus Card	Finder score 9.1Excellent	29.9%	29.9% (0% fee)	£20 per month	80.1% APR (variable)	Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)	Representative example: Representative 80.1% APR variable. Based on £20 monthly fee, assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 9.5Excellent British Airways American Express® Premium Plus Card Finder Award	Finder score 9.5Excellent	30%	(0% fee)	£300 per year	137.8% APR (variable)	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: Representative 137.8% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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:

How to apply for this Barclaycard

If you've compared cards and settled on the Barclaycard Avios Plus 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.

Bottom line

As the premium version of the Barclaycard Avios Card, you can expect some sky-high benefits when opting to apply for this rewards credit card and Barclaycard doesn’t disappoint. With the welcome bonus alone you could enjoy an economy return flight from London to Barcelona (granted you meet the spending criteria). But if the card’s high interest rate or annual fee is a cause for delay, you could always opt for its little sister. Remember, like all rewards cards, unless you pay your balance in full each month, you won’t be seeing much payback, especially with that high interest rate.

How does it compare?

Barclaycard's card

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Finder Score (low-high)Finder Score (high-low)Max. intro bonus (low-high)Max. intro bonus (high-low)Earn-rate with brand (low-high)Earn-rate with brand (high-low)Default earn-rate (low-high)Default earn-rate (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)Incentive (low-high)Incentive (high-low)

Product	Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Incentive	Representative example
Finder score 9.1Excellent Barclaycard Avios Plus Card	Finder score 9.1Excellent	25,000 points	1.5 points per £1 spent	1.5 points per £1 spent	£20 per month	80.1% APR (variable)	Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)	Representative example: Representative 80.1% APR variable. Based on £20 monthly fee, assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Other popular reward cards

Table: sorted by representative APR, promoted deals first

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Finder Score (low-high)Finder Score (high-low)Max. intro bonus (low-high)Max. intro bonus (high-low)Earn-rate with brand (low-high)Earn-rate with brand (high-low)Default earn-rate (low-high)Default earn-rate (high-low)Annual/monthly fees (low-high)Annual/monthly fees (high-low)Representative APR (low-high)Representative APR (high-low)Incentive (low-high)Incentive (high-low)

Product	Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Incentive	Representative example
Promoted Finder score 9.9Excellent The Platinum Card® by American Express Finder Award	Finder score 9.9Excellent	50,000 points	1 point per £1 spent	1 point per £1 spent	£650 per year	694.9% APR (variable)	New Cardmembers earn 50,000 Membership Rewards® points when you spend £6,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: Representative 694.9% APR variable. Based on £650 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Promoted Finder score 9.9Excellent Yonder Full Membership Credit Card Finder Award	Finder score 9.9Excellent	10,000 points	1 point per £1 spent	5 points per £1 spent	£15 per month	66% APR (variable)	Earn 5 point for every £1 spent and up to 25 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide, or equivalent of 0.5% cashback.	Representative example: Representative 66% APR variable. Based on £15 monthly fee, assumed borrowing of £1,200. Rate of interest 29.32% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
Finder score 9.6Excellent HSBC Premier World Elite Credit Card	Finder score 9.6Excellent	40,000 points	3 points per £1 spent	4 points per £1 spent	£290 per year	100.2% APR (variable)	2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice. 1 point = 1p (no min)	Representative example: Representative 100.2% APR variable. Based on £290 annual fee, assumed borrowing of £1,200. Rate of interest 29.9% p.a. (variable).	More info Compare product selection Compare	loading
Finder score 9.5Excellent British Airways American Express® Premium Plus Card Finder Award	Finder score 9.5Excellent	30,000 points	1.5 points per £1 spent	3 points per £1 spent	£300 per year	137.8% APR (variable)	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: Representative 137.8% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 30% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Showing1 - 4 of 40 results

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends 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. Most of the data in Finder's comparison tables is provided by Defaqto.

Barclaycard and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Barclaycard is one of these brands and has won multiple awards!

Here's what it's won in the past year:

• 2025 Provider of the Year Award (Credit Builder Credit Card)
• 2025 Provider of the Year Award (Balance Transfer Credit Card)

Frequently asked questions