What are the Barclays credit card requirements?

The Barclaycard credit score requirement is to have a credit score of 700; this means you need at least good credit to get a Barclaycard. 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+.… read full answer

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 credit history, 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.

Here are the Barclaycard credit score requirements:

• JetBlue Plus Card: Excellent credit (750+)
• JetBlue Card: Good credit (700+)
• Emirates Skywards Credit Card: Excellent credit (750+)
• Emirates Skywards Premium Credit Card: Excellent credit (750+)
• Mastercard® Black Card: Good credit (700+)
• Lufthansa Credit Card: Good credit (700+)
• American Airlines AAdvantage® Aviator™ Silver Credit Card: Good credit (700+)
• American Airlines AAdvantage® Aviator™ Red Credit Card: Good credit (700+)
• Priceline Credit Card: Good credit (700+)
• Princess Cruises® Credit Card: Good credit (700+)
• RCI® Credit Card: Good credit (700+)
• AARP Rewards Credit Card: Good credit (700+)
• Upromise Credit Card: Good credit (700+)
• Frontier Airlines Credit Card: Good credit (700+)
• Holland America Line Credit Card: Good credit (700+)
• Wyndham Credit Card: Good credit (700+)
• Wyndham Credit Card with No Annual Fee: Good credit (700+)
• Carnival Credit Card: Good credit (700+)
• Barnes & Noble Credit Card: Good credit (700+)
• Choice Credit Card: Good credit (700+)
• American Airlines AAdvantage® Aviator™ Business Credit Card: Good credit (700+)
• JetBlue Business Credit Card: Good credit (700+)
• Wyndham Business Credit Card: Good credit (700+)

Ultimately, 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.

Barclaycard approval odds largely depend on your credit score, income and debt. All Barclays credit cards require a minimum of 700 or 750 credit score; this means you need either good or excellent credit to get approved for a Barclaycard. 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

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.
• Some Barclaycards require excellent credit for approval.
• The vast majority of 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 Barclays isn’t the only issuer out there, and several others have secured cards for people who are rebuilding their credit. Secured cards are generally open to those with bad credit 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

Here are some alternatives to a Barclaycard for bad credit:

Minimum deposit is $200. Your deposit serves as your credit limit. $35 annual fee. No credit check when you apply.

1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. Unsecured credit card, with a $300 initial credit limit. Annual fee: $75 intro 1st yr, $99 after.

5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% back on your choice of one everyday category (like gas stations, grocery stores or restaurants) and 1% back on all other purchases. Minimum deposit is $200. Your deposit serves as your credit limit. $35 annual fee.

5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. Minimum deposit is $200. Your deposit serves as your credit limit. $0 annual fee.

The best alternative to a Barclaycard for bad credit is a secured card from another major issuer. While there are unsecured credit cards for bad credit, their secured counterparts will often have better rates and even offer rewards. If you pay your bills on time and avoid maxing out your credit limit, you’ll start seeing your credit score go up.