Everything We Know About Barclays Credit Card
Barclays credit cards come in a variety of options that give you freedom and flexibility: Your credit limit, the minimum payment required, and your statement delivery schedule are all customizable. All Barclaycards come standard with the best safeguards available against fraudulent charges.
When compared to other American credit card issuers, Barclays’ selection of cards stands out. In recent years, the issuer has stopped offering generic credit card options in favor of co-branded cards with partners such as American Airlines, Wyndham, Uber, and AARP.
Regardless of the card’s issuing bank, co-branded credit cards are most useful for customers who have an established spending pattern with a single merchant. Think about whether or not earning rewards with a specific brand makes sense for your spending before applying for a co-branded Barclays credit card.
In light of that, we thought we’d share a few of our favorite Barclays cards with you:
Best Barclays Credit Cards
JetBlue Plus Card
JetBlue purchases are worth six times as many reward points. You can double your reward points at participating eateries and supermarkets. All other purchases earn a single point.
Intro offer: 40,000 points, Annual fee: $99, Regular APR: 15.99%, 19.99% or 24.99% variable based on your creditworthiness, Recommended credit score: 740-850 (Excellent)
Wyndham Rewards® Earner℠ Card
Hotels By Wyndham and qualifying gas purchases earn 5 points for every $1 spent, which can be redeemed for rewards. Unless you shop at Target® or Walmart®, you can get two points for every dollar spent on food and groceries. Gain one point for every dollar spent on anything else.
Intro offer: 30,000 points, Annual fee: $0, Regular APR:15.74%, 19.99% or 24.99% (Variable), Recommended credit score: 670-850 (Good to Excellent)
The New AARP® Essential Rewards Mastercard® from Barclays
You can get 3% cash back on all your gas and pharmacy purchases, forever (excluding Target and Walmart). Medical expenses are eligible for a 2% cash rebate, unlimited in amount. For all other purchases, you can earn 1% cash back, forever.
Intro offer: $100, Regular APR: 16.74%, 20.74%, or 25.74% variable, based on your creditworthiness, Recommended credit score: 670-850 (Good to Excellent)
If you have an AARP @Barclays Credit Card set up for automatic payment watch your bank account. They are submitting the Sept. Balance to your bank twice this month. They know about the screw up, but “it will take some time to deposit the funds back into your account”.
— Tommy Lambert (@TommyLambertOKC) October 4, 2022
Barclays Card Benefits
Benefits from your Barclays credit card will vary widely depending on the co-branded card you choose. Some Barclays credit cards, for instance, can be used to earn hotel loyalty points, while others can be used to earn cash back on select purchases.
Many different Barclays credit cards have the same benefits, such as no annual fee, zero liability for fraudulent purchases, and sign-up bonuses. Each top pick from Barclays has a promotional balance transfer APR of zero percent for the first twelve months. Some even grant you instant elite status or frequent flyer miles.
Co-branded credit cards are only worthwhile if you plan to make significant purchases with the associated business, and the card’s rewards fit into your spending habits. While some cardholders may find success with one of these cards, others may find more success with a different issuer due to the issuer’s more adaptable benefits and rewards programs. Before deciding on a credit card, it is important to take the time to review the terms and conditions.
How to Get Approved for a Barclays Credit Card
If your spending habits fall in line with those of one of the Barclays co-branded cards, it’s worth your time to see if you’ll be approved. Barclays does not provide a prequalification process as some issuers do. As a result, before submitting an application and subjecting yourself to a hard credit check, it is crucial that you investigate your approval chances and ensure that you have good credit.
Here are the steps you need to take to apply with Barclays:
First, find out what your credit score is. Before applying for anything, it’s a good idea to see where you stand financially. If your FICO credit score is at least in the “good” range, you may be eligible for a Barclays credit card (670 or higher). Don’t even bother applying if your credit score is lower than that.
When applying for a Barclays credit card, if you think you’ll be approved, you’ll need to provide your full name, address, email address, phone number, employment details, annual household income, and Social Security number.
Third is where you apply for a credit card. The online application form is available on the Barclays website. Depending on the details of your application, you may find out right away if you’re approved or have to wait for a letter in the mail.
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