What are the most common Barclaycard benefits?

The Barclaycard travel benefits include auto rental insurance, travel accident insurance and no foreign transaction fees. There’s also insurance for baggage delays and interrupted trips. These benefits all come with Barclaycard’s travel star, Arrival Plus. Barclaycard’s co-branded travel cards offer some of these benefits too.

These perks have a high dollar value but come with restrictions that you should be aware of. … read full answer

Here are the biggest Barclaycard travel benefits:

• No foreign transaction fee: Most travel-oriented Barclaycards don’t make you pay extra when you buy something outside the U.S. or from a merchant based in another country.
• Auto rental insurance: When you charge a car rental to an eligible Barclaycard and decline the rental company’s insurance, you’re covered for theft or damage up to the cash value of the car. Coverage is for rentals of up to 15 days in your home country and 31 days abroad. It doesn’t apply in Israel, Jamaica, Ireland or Northern Ireland.
• Travel Accident Insurance: You’re covered up to $250,000 for serious injury or death aboard commercial transport. You just have to charge the trip to your eligible Barclaycard. Coverage also applies to your spouse and dependent, unmarried children.
• Baggage delay insurance: If your Barclaycard offers this benefit, you can get reimbursed up to $100 per day, for up to three days per year, should your baggage get delayed. This benefit covers necessities like toiletries or clothing that you have to buy because you’re bag-less. You’ll have to show Chase proof of your purchases.
• Trip interruption insurance: You’re covered up to $1,500 if you have to postpone or cancel a trip booked with an eligible Barclaycard for reasons you can’t control. Covered reasons include injury, disease and the death of a family member.
• Other benefits: Aside from Arrival Plus, Barclaycard’s travel credit cards are all co-branded with specific airlines, cruise lines and resorts. Their benefits tend to focus on those companies. They include free checked bags, preferred boarding, and discounts on in-flight food and beverages.

The Barclaycard travel benefits cover you for mishaps large and small. And those perks are on top of Barclaycard travel rewards. For example, Barclaycard Arrival Plus gives you a 40,000-mile bonus for spending $3,000 in your first 90 days as a cardholder. Plus, you get 2x miles on all purchases and 5% of your miles back when you redeem them for travel.

There isn’t an official Barclaycard credit score requirement, but you probably won’t be approved for any of the current offers without good or excellent credit. In fact, we only recommend applying for a Barclaycard if you have a credit score of 700+.

True, that’s toward the upper end of what we’d normally call the … read full answergood credit range. But barely meeting the absolute minimum Barclaycard credit score requirement probably won’t give you very high odds of approval. For the same reasons, Barclaycards that require “excellent” credit should be reserved for people with scores of 750+.

These Barclaycards require excellent credit:

• Barclaycard Arrival® Plus World Elite Mastercard®
• Barclaycard CashForward™ World Mastercard®
• JetBlue Plus Card

These Barclaycards require good credit (or better):

• Mastercard® Black Card
• Lufthansa Credit Card
• American Airlines AAdvantage® Aviator™ Silver Credit Card
• Frontier Airlines Credit Card with No Annual Fee

It’s also important to note that your credit score isn’t the be-all and end-all of credit card approval. Credit card issuers also consider factors such as your income and how much debt you owe. But comparing your rating to a given Barclaycard’s credit score requirement is an easy way to get a rough sense of your approval odds.

If you don’t know whether your credit puts you in the Barclaycard ballgame, you can check your latest credit score for free on WalletHub, the only site with free daily updates.

Your Barclaycard approval odds largely depend on your credit score, income and debt. All Barclays credit cards require a minimum of good or excellent credit. And that alone tells you the average American’s Barclaycard approval odds aren’t so hot. The average credit score is below 700, and you need to be above that mark for good Barclays approval odds. … read full answer

A credit score of at least 700 isn’t the only thing you need to get a Barclaycard, though. There are plenty of other requirements, like income and verifiable personal information.

Here’s what you should know about your Barclaycard approval odds:

• Barclaycard will consider your credit history, income, existing debt and number of recent inquiries, among other things, when reviewing your application. The exact approval criteria for each card aren’t public, though.
• Barclaycard credit cards require at least good credit for approval.
• When applying, you must provide your permanent address, date of birth, Social Security number and mother’s maiden name.
• Business card applicants must provide their company’s legal name, trade name and phone number, plus how many employees they have, how long they’ve been in business, and their annual revenue.
• You can’t check if you’re pre-approved for a Barclaycard. You could receive a pre-approved offer in the mail, but there’s no way to request that.
• You should check your latest credit score before applying. If it’s not good enough for a Barclaycard yet, you’ll want to look into other cards for building credit.

The best thing you can do for your Barclaycard approval odds is use credit responsibly. Paying down balances, making payments on time and not maxing out your existing cards all help your chances. And if Barclaycards aren’t a realistic option right now, you still have choices. Plenty of other credit card companies have offers for people with fair, limited and bad credit.