Evelyn Boros, Credit Cards Moderator
@evelyn_boros
The Barclays credit card interest rates range from 18.49% (V) to 33.24% (V), depending on an applicant’s creditworthiness and the card they’re applying for. Some Barclays cards may also offer new cardholders introductory 0% interest rates on specific purchases or balance transfers for a set number of months.
Barclays Credit Card Interest Rates by Card
- Holland America Line Credit Card: 18.49% to 29.49% (V)
- Wyndham Credit Card: 19.24% to 29.49% (V)
- Banana Republic Credit Card: 33.24% (V)
- JetBlue Plus Card: 19.49% to 29.49% (V)
- RCI® Credit Card: 19.24% to 29.49% (V)
- Carnival Credit Card: 18.49% to 29.49% (V)
Barclays credit card interest rates are variable, meaning it can change based on certain economic conditions.
Barclays gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest if you pay your balance in full during that timeframe. Should you decide to carry a balance on your credit card, it will accumulate interest daily at the card's regular APR.
In addition to the regular rate, Barclays credit cards come with a separate interest rate for cash advances. The interest rates will be listed on the card's monthly statement and online account summary.
If you want to learn more, you can check out WalletHub’s guide on credit card interest rates.
Popular Credit Cards in March 2026 from Our Partners
-
Travel
-
Everyday Cash Back
-
Building Credit
-
0% Intro APR
People also ask
How much interest will I pay on my credit card?
You can figure out how much interest you will pay on your credit card by dividing the card’s APR by 365 and multiplying first by your average daily balance and then by the number of days in the billing period. The interest charges you owe will also be listed on the credit card’s monthly statement.
For example, with an 18% APR, your daily rate is 18 ÷ 365 = 0.0493%. If your average daily...
read full answer by WalletHub, Financial CompanyWhat happens if you dont use your credit card?
Nothing is likely to happen if you don’t use your credit card for a few months. In fact, stopping with a $0 balance could actually help your credit score, despite the myth that keeping a small balance is better. Over a longer period, some rewards may expire and accounts could be closed, but you won’t be charged any fees for inactivity.
As a result, not using your credit card (at least not regularly) can...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.