Barclaycard Avios Plus Card review 2022

Fly high and earn Avios while you spend with the Barclaycard Avios Plus Credit Card.

Barclaycard has introduced 2 new challenger cards to the rewards credit card market. Find out more.

  • Cabin upgrade voucher when you spend £10,000 within 12 months.
  • £20 monthly account fee.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £20 per month, your representative rate is 72.4% APR (variable).

Up to 25,000 points

Intro bonus

72.4%

Representative APR

0%

Balance transfer fee

Up to 56 days

Interest-free each billing period

Details

IssuerBarclaycard
NetworkMastercard
Representative APR72.4% APR (variable)
Annual/monthly fees£20 per month
Loyalty schemeAvios
IncentiveEarn 25,000 Avios when you spend £3,000 on card over the first 3 months of opening. Terms Apply. New members only. 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.
Incentive on openingNew members offer: Earn a welcome bonus of 25,000 Avios) when you spend £3,000 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

Now that travel seems a bit sunnier as the clouds of the pandemic clear, it’s a great time for the takeoff of the new Barclaycard Avios Card and its premium sister the Barclaycard Avios Plus Card. With the opportunity to earn Avios on your day-to-day spending, Barclaycard’s newest credit product is aimed at those who love to travel.

The Barclaycard Avios Plus credit card is a great rewards option for those who are willing to shell out a fee of £20 per month.

As the premium version of this card’s little sister, you can earn Avios at a rate of 1.5 Avios per £1 spent and also enjoy the exclusive welcome bonus of 25,000 Avios.

Compared to this card’s American Express competitor, the British Airways American Express® Premium Plus Card, you could get double the Avios (per £1 spent) if you are in the position to commit to a sky-high annual fee.

However, if you’re not in the position for the high interest rates or annual fee of the Barclaycard Avios Plus Credit Card, this card’s little sister offers a reduced interest rate and no annual fee in exchange for a lesser Avios earn rate.

If you are looking for rewards cards that specifically dabble in Avios, there are plenty of providers that offer this or the option to exchange points for Avios. It is always wise to weigh up your options before taking flight.

Pros and cons

Pros

  • Earn Avios on your day-to-day spending.
  • Generous introductory bonus.
  • Up to 56 days interest free.
  • Cabin upgrade voucher when you spend £10,000 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

  • £20 monthly account fee.
  • Minimum annual income requirement of £20,000.
  • 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 Plus Card
25,000 points
1.5 points per £1 spent
4
£20 per month
New members offer: Earn a welcome bonus of 25,000 Avios) when you spend £3,000 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. with a fee of £20 per month, your representative rate is 72.4% APR (variable).
British Airways American Express® Premium Plus Card
25,000 points
1.5 points per £1 spent
1
£250 per annum
Check eligibility
Spend £10,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £250 per annum, your representative rate is 103.7% APR (variable).
American Express® Preferred Rewards Gold Credit Card
20,000 points
1 point per £1 spent
1
Year 1 - £0, Year 2 onwards - £140 per annum
Check eligibility
Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Terms Apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61.8% APR (variable).
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1 - 3 of 3
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Barclaycard Avios Plus Card
23.9%
23.9%
(0% fee)
£20 per month
72.4% APR (variable)
Earn 25,000 Avios when you spend £3,000 on card over the first 3 months of opening. Terms Apply. New members only. 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.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £20 per month, your representative rate is 72.4% APR (variable).
British Airways American Express® Premium Plus Card
26%
26%
(3% fee)
£250 per annum
103.7% APR (variable)
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply

Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £250 per annum, your representative rate is 103.7% APR (variable).
Check eligibility
American Express® Preferred Rewards Gold Credit Card
26%
26%
(3% fee)
Year 1 - £0, Year 2 onwards - £140 per annum
61.8% APR (variable)
New welcome offer: Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Terms Apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61.8% 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 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.

The verdict

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

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 Plus Card
25,000 points
1.5 points per £1 spent
1.5 points per £1 spent
£20 per month
72.4% APR (variable)
Earn 25,000 Avios when you spend £3,000 on card over the first 3 months of opening. Terms Apply. New members only. 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.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £20 per month, your representative rate is 72.4% 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 Plus 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 Plus 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 Plus 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% (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 Plus Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£179.07), it'll cost you around £5.35 in fees.

What is the minimum payment on the Barclaycard Avios Plus 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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You can read more about our scoring criteria on our credit card methodology page.

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