Best Barclays Credit Cards

Yes, Barclaycard is the same as Barclays. Barclaycard is the division of the UK-based financial institution that specifically handles Barclays’ global credit card business, which includes many co-branded credit cards available in the U.S. You can check out WalletHub’s editors’ picks for the best Barclaycard credit cards below.

Best Barclaycard Credit Cards

Barclays credit cards typically require at least good credit to get approved. You can check your credit score for free on WalletHub to see where you stand.

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

• JetBlue Card: good credit
• Lufthansa Credit Card: good credit
• Wyndham Credit Card: good credit
• Holland America Line Credit Card: good credit

Keep in mind that while the credit score requirement is the main thing that makes a Barclays credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you’ll need to have a steady income that’s big enough to handle the card’s credit limit, and you must be at least 18 years old. You’ll also need to have an SSN.

Finally, it’s important to note that even if you exceed all of the requirements to get a Barclays credit card, you’re never guaranteed to get approved, though your odds are good.

The Barclaycard credit limit is $200 to $250, at a minimum. The exact credit limit depends on the card and on your creditworthiness once your application has been approved. Note that Barclays doesn't always list minimum credit limits in its cards' terms and conditions, unlike some other credit card companies.

You can't request a specific limit for any Barclaycard, even if you have requested to transfer a balance with your application. Barclaycard credit limits are generally based on your credit standing and available income. If you're unsatisfied with your credit limit, it is possible to request a credit limit increase.

Here's what you should know about Barclaycard credit limits:

• Credit limit range: The minimum starting credit limit for a Barclays credit card is either $200 or $250, depending on the card. But you will not know your Barclaycard credit until you get approved. Cardholder reports cover a very broad range according to the particularities of their credit.
• Balance Transfer Limits: Requests for balance transfers made with an application aren't considered requests for a particular credit limit. Credit limits are determined independently and prior to processing any balance transfer requests.
   
  If your credit limit winds up being less than the amount you asked to transfer, Barclays will either deny your request or send a partial payment to your creditor(s). If you're denied a balance transfer request due to the balance being higher than your credit limit, you can either wait for a credit limit increase or apply for a different card.
• Credit Limit Increases: You can request a credit limit increase online or by calling either (866) 928-8598 or the number you see on the back of your card. You'll need to enter the new limit you'd like, plus your income and employment details. You could get approved for the full amount you ask for, or a smaller amount. Note that while it is possible to get an instant decision, it may take up to 10 business days to hear back by email.

You won't know exactly what your Barclaycard credit limit will be until you apply and get approved. If you're not happy with your initial credit limit, you could always request an increase. But keep in mind that each request will result in a hard inquiry which may temporarily damage your credit score. Barclays also regularly reviews members' accounts to see if they're eligible for a higher credit limit.

Automatic credit limit increases offered by Barclays are a result of soft inquiries. So, these will not affect your credit score. There is no guarantee you'll be offered an automatic credit limit increase. However, keeping your account in good standing by paying your bills on time and preferably in full will help.

To log in to your Barclaycard Arrival™ World MasterCard® account online, go to the login page on the Barclays website. But keep in mind that Barclays is an international banking institution. So, make sure not to use one of the login pages for foreign customers.

Once you get to the Barclaycard login page, you’ll just need to enter your username and password to access your account. You can view your transactions, request a credit limit increase, do balance transfers, redeem rewards and more.

What to Know Before Logging in to Your Barclaycard Arrival™ World MasterCard® Account

If you don’t have your Barclaycard Arrival™ World MasterCard® login credentials yet, click on the “Set up online account” button. After that, you’ll need to provide the last 4 digits of your Social Security Number, as well as your account number and current occupation. After verifying your identity, you will be able to create a username and password.

Lastly, you can also log in to your Barclaycard Arrival™ World MasterCard® account through the Barclaycard mobile app, available for both iOS and Android devices. Once you log in, you’ll be able to access all the same functions of the Barclaycard website right from your phone or other device.

The Barclaycard foreign transaction fee is either 0% or 3%, depending on the card. So, it’s a good idea to check which Barclaycards come with 0% foreign fees before applying.

Here are some good Barclaycards with 0% foreign transaction fee:

If you’re planning to travel overseas a lot, it would be best to get a card with a 0% foreign transaction fee. After all, vacations are expensive enough without adding an extra 3% to the price of everything. It’s also good to remember that you don’t have to travel to be charged a foreign fee. If you buy something online from a vendor in another country and get it shipped to you, foreign transaction fees apply there, too.

Ultimately, you can check out our editors’ latest picks for the best no foreign transaction fee credit cards on the market.

To reach the Barclaycard reconsideration line, call (866) 408-4064. Reconsideration is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. 

Reasons to Call the Barclaycard Reconsideration Line

• There was a major mistake on your credit report
• You just paid off a big debt
• Your credit score has improved significantly since you applied
• Your income went up
• There is incomplete or incorrect information on the application

Basically, anything that improves your borrowing profile in a meaningful way could be relevant for reconsideration. But if nothing has changed, the result is unlikely to change, either. Your rationale for reconsideration should ideally address the reason you got rejected, which credit card companies are required to disclose.

If you think there’s an argument to be made, you can also contact the Barclaycard reconsideration department by mail at the following address: 

Card Services
P.O. Box 8801
Wilmington, DE 19899-8801

In case your application is still denied after calling the Barclaycard reconsideration line, you should consider improving your credit score or applying for a credit card that might be easier to get. Alternatively, you could become an authorized user on someone else's account.

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:

• 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.