What are the Barclays credit card requirements?

You need a credit score of 700 or better to get a Barclaycard. This means at least good credit is required for approval. However, there are some Barclays credit cards that require a credit score of 750 or better (excellent credit).

It is important to know where you stand before applying for a Barclays credit card. You can … read full answercheck your credit score for free, right here on WalletHub.

Other Barclays Credit Card Approval Requirements

It’s important to note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Barclays credit card, too. Some other key criteria include your credit history, income, and how much debt you owe.

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait and apply after you meet the credit score requirement.

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

Here’s what you should know about your Barclaycard approval odds:… read full answer

• Barclaycard will consider things like your credit history, income, existing debt, and number of recent inquiries when reviewing your application. However, Barclays does not disclose the exact approval criteria on their website.
• The vast majority of Barclays credit cards require at least good credit for approval. However, some Barclaycards require excellent 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, you will also have to mention how many employees you have, how long you’ve been in business, and your 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 higher Barclaycard approval odds is to use your current credit cards 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.

No, there isn’t any Barclaycard for bad credit. Most 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:

The OpenSky® Secured Visa® Credit Card requires a minimum deposit of $200. Your deposit serves as your credit limit. The card has a $35 annual fee. Plus, no credit check is needed when you apply.

The Credit One Visa card offers 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. This is an unsecured credit card, with a $300 initial credit limit. The card’s annual fee is $75 intro 1st yr, $99 after.

The U.S. Bank Cash+® Visa® Secured Card card offers 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, EV charging stations, grocery stores or restaurants) and 1% back on all other purchases. It requires a minimum deposit of $200. Your deposit serves as your credit limit. The card comes with a $35 annual fee.

The Capital One Quicksilver Secured card offers 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. It requires a minimum deposit of $200. Your deposit serves as your credit limit. The card comes with a $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.