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 good 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+.
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.
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.
There isn’t a Barclaycard for bad credit. All Barclaycards require at least good credit, and some require excellent credit.
But Barclaycard isn’t the only issuer out there, and several others have secured cards for people who are rebuilding their credit. Secured cards are easier for people with bad credit to get because they require a security deposit. The deposit serves as your credit limit, and as collateral if you default. If you pay off your balance and close your account, you’ll get your deposit back. Some of the best options even offer rewards.… read full answer
Alternatives to a Barclaycard for bad credit:
Discover it® Secured Credit Card: $0 annual fee. 1 - 2% cash back on $1,000 in gas and restaurant spending each quarter. Discover matches all your cash back on your 1st anniversary. Security deposit between $200 and $2,500. Your credit line is the same as your deposit.
Secured Mastercard® from Capital One: $0 annual fee or rewards. Minimum deposit of $49, $99 or $200, depending on your creditworthiness. Your credit line is $200, plus anything you add over your minimum security deposit.
Credit One Bank® Visa® Credit Card: $0 - $99 annual fee. 0 - 1% cash back on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. $300 minimum credit line.
The best alternative to a Barclaycard for bad credit is a secured card from another major issuer. If you pay your bills on time and avoid maxing out your credit limit, you’ll start seeing your credit score go up.
Another thing to consider is this. When I applied in February of 2019, they didn't approve me because apparently they also have something similar to the Chase 5/24 rule. Maybe I'm wrong, but it's something to keep in mind.
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