In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements

Barclaycard Avios Card review

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Barclaycard Avios Card
4.0
★★★★★
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Intro bonus
Up to 5,000 points
Balance transfer fee
0%
Account fee
£0

Our verdict

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

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

  • 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.
  • 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 £20000.
  • 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.

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements

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.

Details

Product Overview

Issuer Barclaycard
Network Mastercard
Representative APR 29.9%
Annual/monthly fees £0
Balance transfers 29.9%
Balance transfer fee 0%
Purchases 29.9%
Purchases interest-free period Up to 56 days
Cash advances 29.9%
Minimum credit limit £50
Maximum credit limit Subject to status
Additional cards available 4
Incentive
Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. 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, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)
Additional Rewards Info Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues.
Potential costs 4.0 ★★★★★
Doing its job 4.0 ★★★★★
Extras 3.5 ★★★★★
Overall Finder score 4.0 ★★★★★

Fees and charges

Annual/monthly fees £0
Balance transfer fee 0%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 2.99% (min. £2.99)
Late payment fee £12
Duplicate statement fee £0
Exceeding limit fee £0
Additional card fee £0
Replacement card fee £0
Dormancy fee £0

Application Requirements

Minimum Age 21
Availability Available to new customers

The Barclaycard Avios 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?

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
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% 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 £1,000 within 3 months of account opening.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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 cardmembership
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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1 - 3 of 3
Name Product Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Barclaycard Avios Card
4.0
★★★★★
29.9%
29.9%
(0% fee)
£0
29.9% APR (variable)
Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. 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, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
British Airways American Express® Credit Card
4.0
★★★★★
31%
31%
(3% fee)
£0
31% APR (variable)
Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
American Express® Rewards Credit Card
4.0
★★★★★
31%
31%
(3% fee)
£0
31% APR (variable)
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
loading

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 Moneyfacts.

Case study: Isaac uses the Barclays Avios card alongside his BA Amex card

Isaac Jonas profile pic
Isaac Jonas

Works at Finder

I took out an Amex card for my main spending to collect avios, but it means I can't collect points at vendors that don't accept Amex. So I took out this card firstly to collect the welcome bonus and secondly because it is a Mastercard so I can use it for all my non-amex spending and still collect avios.

It's been great so far. I don't think I will spend enough on it to get some of the perks such as the upgrade voucher since it is a secondary credit card for me. However, since it has no fee I am not losing out.

If there's one thing you'd tell a friend who's thinking of getting this, what would it be?

In my opinion it is the best no-fee, non-Amex avios credit card

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.

How does it compare?

Barclaycard's card

1 - 1 of 1
Name Product Finder score Finder score Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
Barclaycard Avios Card
4.0
★★★★★
★★★★★
Expert analysis
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
29.9% APR (variable)
Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. 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, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
loading

Other popular reward cards

Table: sorted by representative APR, promoted deals first
Name Product Finder score Finder score Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Purchase Plus Offer Mastercard
4.5
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £1 spent
£0
24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
M&S Bank Credit Card Transfer Plus Offer Mastercard
4.0
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
24.9% 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 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Santander All in One Credit Card
4.5
★★★★★
★★★★★
Expert analysis
N/A
0.5% cashback
0.5% cashback
£3 per month
29.8% APR (variable)
Check eligibility
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Amex® Cashback Everyday Credit Card
4.0
★★★★★
★★★★★
Expert analysis
£100
1% cashback
1% cashback
£0
31% APR (variable)
Check eligibility
Welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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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 Moneyfacts.

Frequently asked questions

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

If Barclaycard offers you this deal, it 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 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 29.9% (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 Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£172.19), it'll cost you around £5.15 in fees.

What is the minimum payment on the Barclaycard Avios Card?

Each month, you must pay at least 3.75% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £120.00 outstanding, you'd pay £5.00, and if you had £533.33 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.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

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.

Bottom line

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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