Barclays credit cards receive mixed reviews, with WalletHub editors' ratings ranging from 1.2 to 4.6 stars and user reviews varying widely as well. Positive reviews praise Barclays' retailer-affiliated cards for having relatively low costs and solid benefits with the partner companies. Negative reviews tend to focus on cardholders' dissatisfaction with customer service. In fact, Barclays ranks 13th out of the top 15 issuers in that regard. Below, you can compare some Barclays credit cards that have good overall reviews.
Keep in mind that Barclays only has a few credit cards that are unaffiliated with a retailer or travel provider. While you won't be locked into a merchant-specific rewards program with these cards, you will likely find them to be too expensive with too few rewards to be worthwhile.
In addition to user reviews, you should consider the WalletHub Ratings for Barclays credit cards when comparing offers. WalletHub Ratings are based on a proprietary 100-point scoring system and reflect how satisfied customers are, how competitive a card is with the market as a whole and how strong WalletHub's editors think the offer is.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.0
User Reviews
3.7
Market Comparison
1.4
fees: 1.3
rewards: 3.4
cost: 0.2
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Regular APR→19.74% - 27.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee:5% (min $5)
Regular APR
19.74% - 27.74% (V)
annual fee
$1,199
rewards rate
1 - 2 point / $1
minimum credit
Good
WalletHub's Take: The Mastercard® Gold Card is not a good credit card for most people. Although it offers a variety of useful perks, the Mastercard Gold Card charges such a high annual fee ($1,199) that it’s difficult to break even, let alone save as much as you could with one of the best credit cards on the market right now.
Pros
0% intro APR on balance transfers
High rewards rate
No foreign fee
Cons
High membership fees
No initial rewards bonus
No intro APR on purchases
Balance transfer fee
Rewards Details
Earn 1 point for every $1 spent on this card. Receive 2% Value for Cash Back direct deposit into a US bank account or as a statement credit.
Earn 2 points per $1 spent on eligible hotel and airfare purchases booked through LuxuryCardTravel.com.
2% Value for Airfare Redemption. 50,000 Points will get you a $1,000 ticket on any airline with no blackout dates or seat restriction.
Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more. Plus, $120 automatic statement credit for the cost of the Global Entry Application Fee.
Enjoy $500 value per stay through Luxury Card Travel program at 3,000+ global properties. Benefits include room upgrade at check-in (when available), daily breakfast for two, complimentary Wi-Fi, and unique amenity.
Unlock $5 Lyft App credit monthly after 3 rides. Limit one Lyft credit per calendar month.
Get three months of Instacart+ complimentary and $10 off your second order each month, plus a $3 statement credit each month with Peacock with your Mastercard® Gold Card.
Enjoy complimentary access to more than 1,700 lounges in over 600 cities worldwide with Priority Pass™ Select.
Get up to $200 in annual statement credits when you use your Mastercard® Gold Card at qualifying restaurants. Plus, receive up to $200 in credits annually with Ship&Play.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
$349 Annual Fee for each Authorized User added to the account.
Luxury Card Concierge, 24 hours a day, 365 days a year.
24K Gold Plated/Carbon Card – Patented Design.
Privileged access to exclusive events and insider opportunities.
Benefits: Travel Accident Insurance, Baggage Delay Insurance, Auto Rental Collision Waiver, Travel Assistance, and Trip Cancellation & Interruption.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.5
User Reviews
2.7
Market Comparison
1.8
fees: 1.3
rewards: 3.4
cost: 1.1
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Earn 1 point for every $1 spent on this card. Receive 1.5% Value for Cash Back direct deposit into a US bank account or as a statement credit.
Earn 2 points per $1 spent on eligible hotel and airfare purchases booked through LuxuryCardTravel.com.
2% Value for Airfare Redemption. 50,000 Points will get you a $1,000 ticket on any airline with no blackout dates or seat restriction.
Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
Plus, $120 automatic statement credit for the cost of the Global Entry Application Fee.
Enjoy $500 value per stay through Luxury Card Travel program at 3,000+ global properties. Benefits include room upgrade at check-in (when available), daily breakfast for two, complimentary Wi-Fi, and unique amenity.
Unlock $5 Lyft App credit monthly after 3 rides. Limit one Lyft credit per calendar month.
Get three months of Instacart+ complimentary and $10 off your second order each month with your Mastercard® Black Card.
Get a $3 statement credit each month with Peacock, when you use your Mastercard® Black Card.
Airport Lounge Access with Priority Pass™ Select.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
$249 Annual Fee for each Authorized User added to the account.
Black-PVD-Coated Metal Card.
Luxury Card Concierge, 24 hours a day, 365 days a year.
Privileged access to exclusive events and insider opportunities.
Access to the Tournament Players Club (TPC) network of private club courses and Priceless® Surprises.
Benefits: Travel Accident Insurance, Baggage Delay Insurance, Auto Rental Collision Waiver, Travel Assistance, and Trip Cancellation & Interruption.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
1.4
fees: 1.3
rewards: 2.4
cost: 1.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 12 months|Transfer Fee:5% (min $5)
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Receive 20% off your first purchase made at Gap within 14 days of account opening.
Earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 points = $1 reward redeemable across the family of brands, no merchandise restrictions.
Free fast shipping on all online orders $50 or more.
Cardmembers will unlock the Icon membership status on total qualifying purchases of $1,000 at family of brands or by earning 5,000 base points during a calendar year. Terms apply.
Additional Info
Early Access to select sales.
Members Only Exclusive Offers.
By applying, you agree that you’ll first be considered for the GAP Credit Card which can be used anywhere Mastercard is accepted. If not approved for the GAP Credit Card, you’ll then automatically be considered for the GAP Store Card which can be used across all Gap Inc. stores and online.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
2.6
Market Comparison
3.8
fees: 5.0
rewards: 3.7
cost: 3.8
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→33.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
33.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
30% discount
Bonus Offer
30% discount
minimum credit
Good
WalletHub's Take: The Old Navy Credit Card is a good credit card to get if you like to shop at Old Navy, Gap, Banana Republic, and Athleta. It’s worth applying because this card costs nothing to own and it will save you 5% to 30% on purchases from the Old Navy family of brands. You can also get perks like free shipping on online orders of $50+.
Pros
No membership fees
High rewards rate
30% discount initial rewards bonus
Cons
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Rewards Details
Receive 30% off your first purchase at Old Navy with your card within 14 days of account opening.
Earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 points = $1 reward redeemable across the family of brands, no merchandise restrictions.
Free fast shipping on all online orders $50 or more.
Cardmembers will unlock the Icon membership status on total qualifying purchases of $1,000 at family of brands or by earning 5,000 base points during a calendar year. Terms apply.
Additional Info
Early Access to select sales.
Members Only Exclusive Offers.
By applying, you agree that you’ll first be considered for the Old Navy Credit Card which can be used anywhere Mastercard is accepted. If not approved for the Old Navy Credit Card, you’ll then automatically be considered for the Old Navy Store Card which can be used across all Gap Inc. stores and online.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.8
Market Comparison
3.6
fees: 5.0
rewards: 3.5
cost: 3.6
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→33.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
33.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
20% discount
Bonus Offer
20% discount
minimum credit
Good
WalletHub's Take: The Banana Republic Credit Card is a good option for people who like to shop at Banana Republic, plus Old Navy, Gap and Athleta. It’s worth getting because there’s no annual fee and you earn 5X points on purchases from the Banana Republic family of brands. You can also get a 20% discount on your first purchase within 14 days of opening an account.
Pros
No membership fees
High rewards rate
20% discount initial rewards bonus
Cons
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Rewards Details
Receive 20% off your first purchase made at Banana Republic with your card within 14 days of account opening.
Earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 points = $1 reward redeemable across the family of brands, no merchandise restrictions.
Free fast shipping on all online orders $50 or more.
Cardmembers will unlock the Icon membership status on total qualifying purchases of $1,000 at family of brands or by earning 5,000 base points during a calendar year. Terms apply.
Additional Info
Early Access to select sales.
Members Only Exclusive Offers.
By applying, you agree that you’ll first be considered for the Banana Republic Credit Card which can be used anywhere Mastercard is accepted. If not approved for the Banana Republic Credit Card, you’ll then automatically be considered for the Banana Republic Store Card which can be used across all Gap Inc. stores and online.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
1.8
fees: 0.0
cost: 1.1
APR: 3.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Earn 1 point for every $1 spent on this card. Receive 1% Value for Cash Back direct deposit into a US bank account or as a statement credit.
Earn 2 points per $1 spent on eligible hotel and airfare purchases booked through LuxuryCardTravel.com.
2% Value for Airfare Redemption. 50,000 Points will get you a $1,000 ticket on any airline with no blackout dates or seat restriction.
Enjoy $500 value per stay through Luxury Card Travel program at 3,000+ global properties. Benefits include room upgrade at check-in (when available), daily breakfast for two, complimentary Wi-Fi, and unique amenity.
Unlock $5 Lyft App credit monthly after 3 rides. Limit one Lyft credit per calendar month.
Get three months of Instacart+ complimentary and $10 off your second order each month with your Mastercard® Titanium Card.
Get a $3 statement credit each month with Peacock, when you use your Mastercard® Titanium Card.
Enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
$149 Annual Fee for each Authorized User added to the account.
Brushed Metal Card.
Luxury Card Concierge, 24 hours a day, 365 days a year.
Benefits: Travel Accident Insurance, Baggage Delay Insurance, Auto Rental Collision Waiver and Trip Cancellation & Interruption.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.6
User Reviews
3.5
Market Comparison
3.4
fees: 5.0
rewards: 3.5
cost: 3.1
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 12 months|Transfer Fee:5% (min $5)
Regular APR→19.74% - 29.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months|Transfer Fee:5% (min $5)
Regular APR
19.74% - 29.74% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
10,000 points
Bonus Offer
10,000 points
minimum credit
Good
WalletHub's Take: The JetBlue Card is a good credit card to consider if you have a credit score of 700 or higher and you fly frequently but not enough to justify paying an annual fee on a card. It’s one of the best airline credit cards with no annual fee because it has good rewards, including an initial bonus and in-flight savings. The JetBlue Credit Card does not provide quite as much value as the best airline credit cards overall, but it’s a great choice for lighter spenders.
Pros
No membership fees
0% intro APR on balance transfers
High rewards rate
10,000 points initial rewards bonus
Cons
No intro APR on purchases
Balance transfer fee
Requires good/excellent credit
Rewards Details
Earn 10,000 TrueBlue bonus points after spending $1,000 on purchases in the first 90 days.
Earn 3 points per $1 spent on JetBlue purchases; 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
Redeem for any seat, any time on JetBlue operated flights, along with no blackout dates and points awarded into your account don’t expire.
Earn and share points with family and friends through Points Pooling.
Get 50% savings on eligible inflight purchases like cocktails, beer, wine and meals on JetBlue-operated flights.
Additional Info
0% Introductory APR on balance transfer that post to your account within 45 days of account opening.
$0 Fraud Liability protection for unauthorized charges.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
4.3
Market Comparison
4.5
fees: 5.0
rewards: 4.7
cost: 4.6
Other Features: 0.0
Purchase Intro APR→0% for 6 months
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days.
Limited-time offer: Earn 10 points per $1 spent on Sunoco gas through December 31, 2025.
Earn 5 points per $1 spent on eligible purchases made at hotels by Wyndham and on qualifying gas purchases.
Earn 2 points per $1 spent on eligible dining and grocery store purchases (excluding Target® and Walmart®), and 1 point per $1 on all other purchases.
Earn 7,500 bonus points each anniversary year after spending $15,000 on eligible purchases.
Get free nights faster by redeeming 10% fewer points when you book free nights.
Wyndham Rewards points can be used for a number of different purposes, including free nights at Wyndham hotels, gift cards, car rental discounts, free airline tickets, airline miles, and merchandise.
Automatically receive a Wyndham Rewards Gold Membership and enjoy perks like free WiFi, preferred room selection, late checkout, and more.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
0% APR on all Wyndham Timeshare Purchases for six billing cycles.
Zero liability protection against unauthorized use of card.
There are two versions of this card, a Signature or Platinum account with different costs and/or benefits. All details expressed here are for the Signature account. If you are not approved for a Signature account you may be approved for a Platinum account.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.3
User Reviews
3.9
Market Comparison
3.6
fees: 5.0
rewards: 3.8
cost: 3.4
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Regular APR→19.49% - 29.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee:5% (min $5)
Regular APR
19.49% - 29.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
5,000 points
Bonus Offer
5,000 points
minimum credit
Good
WalletHub's Take: The RCI® Credit Card is not the best option for most travelers. It requires good credit or better, just like the best travel rewards credit cards, but its initial bonus is much smaller and only the rewards on RCI purchases are particularly impressive. Unless you regularly book timeshares and other travel through RCI, you’re better off with a card offering a bigger travel bonus (or even a card with 2% cash back on all purchases).
Pros
No membership fees
0% intro APR on balance transfers
High rewards rate
5,000 points initial rewards bonus
Cons
No intro APR on purchases
Balance transfer fee
Requires good/excellent credit
Rewards Details
Earn 5,000 Bonus Rewards after your first purchase – that’s worth $50 in RCI Member Rewards.
Earn 5X Rewards for every $1 spent on all eligible RCI purchases.
Earn 2X Rewards for every $1 spent on all eligible travel purchases including rideshare, gas, and EV charging purchases. And 1X Rewards for every $1 spent on all other purchases.
Redeem Rewards for RCI Member Rewards credit, statement credits, cash back, worldwide travel, gift cards and more.
Get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption.
Earn a $250 Vacation Credit towards one RCI vacation when you spend $10,000 in net purchases each calendar year.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.4
Market Comparison
4.0
fees: 2.9
rewards: 4.5
cost: 4.3
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Earn 50,000 miles after spending $500 and paying the annual fee in full, both within the first 90 days of account opening.
Earn 5 miles for every $1 of Frontier Airlines net purchases, on tickets, goods and services purchased directly from Frontier Airlines.
Earn 3 miles for every $1 of net purchases spent at restaurants (categorized as: Restaurants, Bars and Fast Food Restaurants).
Earn 1 mile for every $1 of net purchases made everywhere else. Keep miles from expiring by making at least one purchase every 12 months.
Earn instant Elite Gold status after your first purchase within 90 days of account opening, and maintain the status for 12 months by spending $3,000 within the first 90 days.
Earn a $100 Frontier Airlines Flight Discount Voucher each account anniversary when you spend $2,500 or more in purchases on your account during your cardmembership year.
Priority boarding allows cardmembers to enjoy Group 4 boarding.
Spend to Elite Status by earning 1 Elite Status Point for every $1 spent on purchases with your card.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
Award redemption fee waiver when you book an award ticket and use your card to pay the related taxes and fees, starting from $5.60 for a one-way ticket.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.0
Market Comparison
3.1
fees: 5.0
cost: 2.5
APR: 3.6
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Regular APR→18.74% - 29.74% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 15 months|Transfer Fee:5% (min $5)
Regular APR
18.74% - 29.74% (V)
annual fee
$0
rewards rate
1 - 2 points / $1
Bonus Offer
20,000 points
Bonus Offer
20,000 points
minimum credit
Good
WalletHub's Take: The Holland America Line Credit Card is a fine credit card to get if you have good credit and you’re planning a cruise in the near future – especially if you regularly travel with Holland America Line. It has pretty good rewards and does not charge an annual fee, so it’s at least worth considering.
Pros
No membership fees
0% intro APR on balance transfers
High rewards rate
20,000 points initial rewards bonus
Cons
No intro APR on purchases
Balance transfer fee
Requires good/excellent credit
Rewards Details
Earn 20,000 bonus points (redeemable for a $200 onboard credit) after spending $1,000 within the first 90 days of account opening.
Earn 2 points per $1 spent on all Holland America purchases, including onboard purchases.
Earn 1 point for every $1 spent on all other purchases.
Redeem points for discounts toward Holland America Cruises, onboard amenities and credits, statement credits toward airfare, along with gift cards and merchandise.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
Concierge service provides personal assistance via telephone, including recommendations and reservations.
There are two versions of this card, a Signature or Platinum account with different costs and/or benefits. All details expressed here are for the Signature account. If you are not approved for a Signature account you may be approved for a Platinum account.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.6
Market Comparison
2.5
fees: 0.0
cost: 2.0
APR: 3.4
Purchase Intro APR→Not Offered
Transfer Intro APR→0% for 15 months|Transfer Fee:5% (min $5)
Earn 50,000 miles after spending $3,000 in purchases within the first 90 days and payment of the annual fee. Plus, earn an additional 20,000 miles after spending $12,000 on purchases within the first 365 days.
Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners and 1 award mile per $1 on all other purchases.
Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance Airlines and other partners.
Receive two one-time use complimentary Lufthansa Business Lounge vouchers, plus a Companion Ticket upon first purchase and on each account anniversary thereafter. Terms Apply.
Once each year, you can convert 5,000 to 25,000 miles earned on purchases into Points and Qualifying Points. For example, 5,000 miles convert to 20 Points + 20 Qualifying Points.
Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
If you don’t have the good credit required to get the Banana Republic Visa, don’t worry. The Banana Republic Store Credit Card offers all of its best features, including a 15% first-purchase discount; ongoing rewards in the form of 5% back on all Banana Republic-family purchases; and the lack of an annual fee. The only things it lacks with respect to the Visa version are the ability to make purchases at unaffiliated merchants and earn the market average of 1% back in doing so. The only area in which the Banana Republic Store Card doesn’t shine is financing. It doesn’t offer low promotional rates for the first few months your account is open — only a high 25.24% regular APR from the start. You should therefore always pay your Banana Republic Store Card bill in full. More information about this offer can be found in our full-length Banana Republic Credit Card review: https://wallethub.com/edu/banana-republic-credit-card-review/25980/. If you would like to check your credit score to see which Banana Republic card you are likely to be approved for, you can do so for free on WalletHub, the first and only site to offer free credit scores and full credit reports that are updated on a daily basis.
@mduarte18 I'm sorry this happen to you ..I've been a loyal paying account holder..never a late fee, never late payments..low balances with high
Available limits..they closed 15 accounts half of those 0 balances..the highest one was 1200..but my limit was 13,000...so still considered low..I'm in shock..
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Meka Favors @favors140
@pburnley1 This happen to me today. They closed my gas card with 0 balance and 500 dollar limit. Also took my other card from a 3000 limit to 700. This is crazy out of nowhere. I am afraid this may affect my credit.
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Nathan Hamilton @nathanshamilton
If you are building your credit this IS NOT the company you want to get a card with. I have made ALL of my payments early or on time and I had three cards with them - Sam's Club, Discount Tire, and Mattress Firm. I paid off Discount Tire and they CLOSED it without telling me and after I tried to get new tires is when I found out
I paid down my balance on my Sam's card and they lowered my limit from $1200 down to $800 (so the $400 I paid means nothing now) and they did the same with the Mattress Firm card so not my credit report shows the cards maxed out which makes my score even lower!
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jberchar @jberchar
@allejami_d: By doing this reduction they are impacting your credit score by skyrocketing your utilization rate.
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5 Star Rating
editor's review
The Barclaycard Rewards MasterCard is one of the best credit cards for fair credit, offering a potentially no-cost option for qualified applicants to continue their credit-building efforts while enjoying rewards that are above average for the credit-card market as a whole. This card is best for people with fair credit who always pay their monthly bill in full and don’t make many purchases from internationally based merchants. That’s because it charges interest at an above-average rate and has a 3% foreign transaction fee.
To learn more about this excellent offer, check out our in-depth review: http://wallethub.com/edu/barclaycard-rewards-mastercard-review/25942/
Product: Barclays Bank US Credit Cards
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SandraSue Shaw @ssssandrasue
I have no interest in using or doing business with the international company’s. I will stick with the US$$$.
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Edith Lynn Rigby @edith_lynnr
@rickbarbarossa they really hurt my credit with unnecessary credit inquiries that weren't necessary, kept it up for no reason, never had an account opened with them!
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Edith Lynn Rigby @edith_lynnr
@ssssandrasue they are so unfair, refuse to work with you, customer is always wrong, inconsiderate and can't accept their mistakes they make on consumers accounts!
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Zai W- @zheshiwode
They don't offer much except decreasing your credit limit here and there.
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Hannix Hsu @NeoPaxSinica
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4 Star Rating
Looks like I'm bucking the trend with all the negative reviews here, but my wife and I found this card to hold a surprisingly useful benefit.
She's had this card since before the pandemic, but sometime in the middle of the pandemic, we noticed that BR had started rolling out these quarterly bonuses for spending outside of their stores. The 5% bonus categories can vary every quarter, covering things like gas, groceries, drug stores, etc. One time it even gave us a "spend X amount anywhere and get 10% back in points" offer.
Normally, we use our Chase Freedom, Discover, and Citi Custom Cash to cover our quarterly 5% rotating bonuses, but once a year, we might have a gap in gas and/or groceries, and more often than not, our BR card has stepped up to fill that gap. The best part, compared to Chase/Discover, is that there's no cap on the 5% rewards.
Thanks to these rotating bonus categories, we haven't had to spend any money out of pocket for the past couple of years at their stores.
Barclays is the worst credit card company ever in the history of time. I had a GM credit card with Marcus until Barclays took over. From the very start, it was horrendous. Without notice or permission, Barclays started making payments on my credit card totaling $671. I thought my card was hijacked. I contacted Barclays; they had no clue what was going on, so they canceled the card and replaced it. The payments continued on the new card, so they canceled it and sent another. I contacted my bank and had them stop payments on all Barclays transactions that hadn't processed yet, and the bank proceeded to recover all the money Barclays took from me. Now they've closed my account, claiming I had returned checks, which was untrue. I have never written a check to them. The customer service rep said that was the description of the stop payments I had my bank do to prevent Barclays from continuing to take my money. I have never been late or missed any credit card payments with any of my credit cards. So I've had my account closed due to Barclays' error. I'm hoping it doesn't affect my credit score, or I'll be really upset. Anyways, I would not recommend Barclays to anyone; stay far away from this corrupt bank that will, at any time, decide to start taking money out of your bank account and then close your account.
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Product: Barclays Bank US Credit Cards
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billie jean armstrong @ladyblingbdk
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1 Star Rating
Verified Customer
I was not late on this payment; the account was transferred to another bank and they messed up my auto payment that month. This is not fair to me; I have always had this account on auto payment. They were supposed to fix their mistake. When another bank takes over your account, they should contact the account holder and make sure all things are transferred correctly. I am very upset with them; it was not at all my fault.
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Product: Barclays Bank US Credit Cards
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hil pad @ahps1313
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2 Star Rating
Got it through JetBlue Airlines, offering 10,000 miles with the purchase of, I think, $3000 in three months. Turned out to be a complete disappointment; I got 10,000 points valued at $25. And of course, they immediately started charging me interest on the amount, which was excessive. Thank God, I paid it off and froze the account; I'm not using that again. But then they had the gall to contact me and tell me that they were reducing my available balance, faulting me for the reasons. Did you guys even notice that I froze the account? I'm no longer using it. I don't really care if you lower the balance. The fees are excessive, and your offers are misleading.
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Product: Barclays Bank US Credit Cards
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mrfurnman1 @mrfurnman1
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1 Star Rating
I opened up a JetBlue credit card, and three out of my six purchases were declined. After calling customer service three separate times to go through security and the fraud department, I finally canceled the card due to poor customer service. Every other company, if they suspect fraud, will send you a text to ask if you've made that purchase, and if you answer, they let the payment go through. I was promised after completing a nine-question security check that this would never happen again. They are disorganized and unprofessional, and they only try to embarrass the customer. I canceled the credit card that I had opened up three weeks ago. If they want my business, they need to call me back with someone who speaks clearly.
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Product: Barclays Bank US Credit Cards
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margaret Lockwood @reallyunhappy
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1 Star Rating
I have had a GAP credit card for years. Barclay took over the company, and I have felt they are not for the customer. I recently had a company from China make a purchase on my card; they even sent me an email saying it was delivered. I canceled my card and reported it as fraud. I have had Barclays deny it several times, and then they reopened the case when I call. I sent proof of the fraud, and they are still denying it. The previous company would have taken care of it right away. This is disappointing after having a card for almost 20 years with GAP. I am looking for a new company to have a card with.
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Product: Barclays Bank US Credit Cards
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Tom @dabo54
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1 Star Rating
Worst store card I've ever had. Went to make a purchase and found my account had been closed without any notification, letter, or email. Spent 30 minutes on the phone to learn it was closed at Barclays' discretion. I have a credit score of 827, no balances, never missed a payment, and a good income. Feels like a good credit risk to me, but apparently not the type of customer they want. Customer support was useless. Will certainly be shopping less at Gap's brands in the future.
I don't know anything about this card and can't get anyone to talk to me. I don't even know the PIN to sign in with. Nobody will help me fix this identity fraud and remove it! The balance is $0, zero dollars!
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Product: Barclays Bank US Credit Cards
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Review Barclays Credit Card Reviews
Barclays Credit Card FAQ
Get answers to your questions about Barclays Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Barclays is an average credit card company overall, but some Barclays credit cards are good for rewards, 0% APR intro offers, and travel. Barclays credit cards also have a solid user rating of 3.6/5 on WalletHub, based on more than 24,000 reviews.
Reasons Why Barclays Is an Average Credit Card Company
3.6/5 average user rating on WalletHub
11.5 million cards in circulation
Initial bonus offers of up to 45,000 points
0% introductory APR promotions lasting as long as 15 months
Annual fees as low as $0
All in all, Barclays is right around average compared to its competitors. While it is good for 0% APR intro offers and rewards, other credit card companies are better for light spenders and building credit.
Yes, it is hard to get a Barclays credit card because all Barclays credit cards require at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for a Barclays credit card.
Minimum Credit Score for Notable Barclays Credit Cards
A Barclays credit card is a card issued by Barclays, a multinational bank based in London. In the U.S., Barclays has issued cards under the "Barclaycard" brand, as well as cards affiliated with major airline, hotel, and cruise loyalty programs.
Credit cards from Barclays are accepted by any retailer that takes credit cards on the Visa or Mastercard network, not just the companies affiliated with Barclaycard. Aside from making purchases, you can also use...
Barclays Bank U.S. does offer cash back credit cards. One popular option is the AARP Rewards Credit Card, which gives 3% cash back on gas and drug store purchases, 2% on medical expenses and 1% on all other purchases.
A loan from Barclays will temporarily hurt your credit score because the company will perform a hard pull of your credit history, which may drop your score by about 5 to 10 points. The new loan will also add to your overall debt load, which hurts your credit score. The negative effects don't have to last long, though.
Over time, a loan from Barclays will help your credit score if you pay the monthly bills by the due date, as...
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