2018’s Best Barclays Credit Card Offers

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Barclays, a WalletHub partner, offers a wide range of credit cards for people with good or excellent credit. Most have rewards and are affiliated with popular organizations,

Best Barclays Credit Cards of 2018:

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Barclaycard Arrival® Plus World Elite Mastercard®

3,420 Reviews

Rates & Fees

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 12 billing cycles | Transfer Fee: 3% (min $5)

Regular APR

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17.99% - 24.99% (V)

Annual Fee

None 1st yr, $89 after

Rewards Rate

2 miles / $1

Rewards Bonus

60,000 miles

Rewards Bonus

60,000 miles

Minimum Credit

Good

Apply Now

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Rewards Details

Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
Earn unlimited 2X miles on every purchase
Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
Get 5% miles back to use toward your next redemption, every time you redeem
Miles don’t expire as long as your account is open, active and in good standing

Additional Info

No foreign transaction fees
International Chip and PIN for use at self-service chip terminals around the world
See More Details & Reviews About TheBarclaycard Arrival® Plus World Elite Mastercard®

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Barclaycard Ring® Mastercard®

613 Reviews

Rates & Fees

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 15 months | Transfer Fee: 2% (min $5) for the first 45 days, $0 after

Regular APR

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13.99% (V)

Annual Fee

Rewards Rate

None

Minimum Credit

Good

Apply Now

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Additional Info

Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
Low 13.99% variable APR on purchases and cash advances
No annual fee
No foreign transaction fees
International Chip and PIN
See More Details & Reviews About TheBarclaycard Ring® Mastercard®

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Mastercard® Black Card

914 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR

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16.99% (V)

Annual Fee

$495

Rewards Rate

1 point / $1

Rewards Bonus

None

Minimum Credit

Good

Rewards Details

Earn 1 point for every $1 spent on this card.
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 1.5% Value for Cash Back direct deposit into a US bank account or as a statement credit.
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Receive a $100 automatic statement credit for the cost of the Global Entry Application Fee.
Enjoy complimentary access to more than 1,000 lounges in over 500 cities worldwide with Priority Pass™ Select.

Additional Info

Stainless Steel/Carbon Card – Patented Design.
Luxury Card Concierge, 24 hours a day, 365 days a year.
0% Introductory APR on balance transfers requested within 45 days of account opening.
Luxury Card offers competitive rates and complimentary benefits with an average total value of $500 per stay at over 3,000 properties around the world. Enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more.
Privileged access to exclusive events and insider opportunities. Access to the Tournament Players Club (TPC) network of private club courses and Priceless® Surprises.
See More Details & Reviews About TheMastercard® Black Card

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American Airlines AAdvantage® Aviator™ Silver Credit Card

230 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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Not Offered

Regular APR

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N/A

Annual Fee

$195

Rewards Rate

1 - 3 miles / $1

Rewards Bonus

None

Minimum Credit

Good

Rewards Details

Earn 3 miles for every dollar spent on eligible American Airlines® purchases, 2 miles for every dollar spent on eligible hotels and car rentals and 1 mile for every dollar spent on all other purchases.
Elite Qualifying Miles – Receive 5,000 EQMs for each $20,000 in annual purchases (10,000 maximum EQMs per year).
Earn a companion certificate good for up to 2 guests at $99 each, issued annually after your account anniversary when you spend $30,000 or more in purchases (taxes and fees apply).
Get 10% of Redeemed Miles Back (10,000 miles maximum each calendar year). Plus, enjoy 25% off on in-flight food and beverages on American Airlines® operated flights.
Preferred Boarding and First checked bag free for you and up to 8 people traveling with on domestic American Airlines flights.
Receive a $100 statement credit as reimbursement for Global Entry application fee paid with this card.
Get a 7,500 mile discount when you use your miles to book a MileSAAver® award.
Earn $3,000 elite-qualifying dollars after spending $25,000, and another $3,000 elite-qualifying dollars after spending a total of $50,000.

Additional Info

The American Airlines AAdvantage® Aviator™ Silver Credit Card is available only as an upgrade to the American Airlines AAdvantage® Aviator™ Red Credit Card. Terms and conditions apply.
See More Details & Reviews About TheAmerican Airlines AAdvantage® Aviator™ Silver Credit Card

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Lufthansa Credit Card

141 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR

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17.99% - 26.99% (V)

Annual Fee

$89

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

50,000 miles

Rewards Bonus

50,000 miles

Minimum Credit

Good

Rewards Details

Earn 20,000 bonus miles when you make an initial purchase and pay the annual fee, then earn an additional 30,000 award miles after you make $5,000 in purchases in the first 90 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 a Companion Ticket annually (Subject to taxes and fees). Plus, two complimentary Lufthansa Business Lounge vouchers annually.
Up to 15% off Miles & More Hotel and Car Awards.
Once each year, you can convert award miles to status miles at a 5 to 1 ratio. For example, 5,000 award miles converts to 1,000 status miles.

Additional Info

0% Introductory APR on balance transfers requested within 45 days of account opening.
Baggage delay insurance reimburses you when baggage checked on a common carrier is delayed.
Trip cancellation and interruption and commentary coverage protects against forfeited, non-refundable payments and deposits if a trip is cancelled or interrupted for covered reasons.
See More Details & Reviews About TheLufthansa Credit Card

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Holland America Line Credit Card

108 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR

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15.99% - 25.99% (V)

Annual Fee

None

Rewards Rate

1 - 2 points / $1

Rewards Bonus

5,000 points

Rewards Bonus

5,000 points

Minimum Credit

Good

Rewards Details

Earn 5,000 points (redeemable for $50 onboard credit) after first purchase or balance transfer.
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.
Earn 1 point per dollar on balance transfers in the first 30 days, up to a maximum 5,000 points.
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 requested within 45 days of account opening.
Concierge service provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment, and sporting events.
Zero fraud 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.
See More Details & Reviews About TheHolland America Line Credit Card

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Mastercard® Gold Card

4 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR

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16.99% (V)

Annual Fee

$995

Rewards Rate

1 point / $1

Rewards Bonus

None

Minimum Credit

Good

Rewards Details

Earn 1 point for every $1 spent on this card.
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 2% Value for Cash Back direct deposit into a US bank account or as a statement credit.
Receive an annual $200 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Receive $100 automatic statement credit for the cost of the Global Entry Application Fee.
Enjoy complimentary access to more than 1,000 lounges in over 500 cities worldwide with Priority Pass™ Select.

Additional Info

Luxury Card Concierge, 24 hours a day, 365 days a year.
24K Gold Plated/Carbon Card – Patented Design.
0% Introductory APR on balance transfers requested within 45 days of account opening.
Luxury Card offers competitive rates and complimentary benefits with an average total value of $500 per stay at over 3,000 properties across the world. Enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more.
Privileged access to exclusive events and insider opportunities. Access to the Tournament Players Club (TPC) network of private club courses and Priceless® Surprises.
See More Details & Reviews About TheMastercard® Gold Card

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Last Updated On: Oct 15, 2018

What is the best Barclays credit card?

By: John Kiernan, Credit Card Editor Best Barclays Credit Cards

The best Barclays credit card is the Barclaycard Arrival® Plus World Elite Mastercard® because it has an initial bonus worth $600 in travel (60,000 miles for spending $5K in the first 90 days) and rewards you with 2 miles / $1 on all purchases. The Arrival Plus Card also has a $0 foreign transaction fee, and its $89 annual fee is waived the first year. Plus, Arrival miles are worth one cent each when used to pay for travel expenses of all types.

Not everyone wants travel rewards, though, even if those rewards are very flexible. So WalletHub’s editors compared all of the Barclays credit card offers in our database of 1,000+ cards to find the best deals.

Here are 2018's best Barclays Credit Cards:

Best Barclays Credit Card for…	Card Name	Annual Fee	Min. Credit Required
Travel	Barclaycard Arrival® Plus World Elite Mastercard®	None 1st yr, $89 after	Good
No Annual Fee	Barclaycard Ring® Mastercard®	$0	Good
Airline Miles	Lufthansa Credit Card	$89	Good
Hotel Points	Wyndham Credit Card	$75	Good
Cruise Rewards	Holland America Line Credit Card	None	Good
Football Fans	NFL Extra Points Credit Card	None	Good
In-Flight Savings	JetBlue Plus Card	$99	Good

At this point you have to ask yourself, do you want the best Barclays credit card or the best credit card overall? You won’t know whether they’re one and the same until you check out WalletHub’s picks for 2018’s best credit cards. That’s especially important if your credit score isn’t good enough to get a Barclays credit card.

Can you use a Barclays credit card anywhere?

By: John Kiernan, Credit Card Editor

Yes, a Barclays credit card can be used anywhere. Barclays only issues credit cards on the Visa and Mastercard networks. And those two networks are accepted pretty much anywhere in the world that takes plastic.

That’s especially important if you travel abroad or buy something from an internationally based merchant. If you use one of the many Barclays cards with no foreign-transaction fee, you’ll save up to 9% on currency conversion. Visa and Mastercard offer much better exchange rates than you’d get by exchanging hard currency at a local bank or airport kiosk.

To learn more about Barclays, Visa and Mastercard, check out WalletHub’s breakdown of the biggest credit card issuers and credit card networks.

Is Barclaycard Visa or Mastercard?

By: John Kiernan, Credit Card Editor

A Barclays credit card could be either a Visa or a Mastercard. For example, the Barclaycard Arrival® Plus World Elite Mastercard® is a Mastercard, and the Holland America Line Credit Card (issued by Barclays) is a Visa. Barclays issues cards on both networks, and the offers are split pretty evenly between the two. There are a few more Barclays Visa cards than Mastercards, though.

For what it’s worth, most of the best Barclays credit cards are on the Mastercard network.

Ask the Experts

Whether you call it Barclays or Barclaycard, there’s a lot to learn about this credit card company and its many attractive offers. With that in mind, WalletHub asked a panel of experts in relevant fields to share their thoughts on the following questions. Click “READ MORE” below an expert’s name and photo to see his or her answers.

What does it mean when a credit card company completely discontinues an offer and then resurrects it months later?
What types of applicants is a credit card company likely to attract with an annual rewards bonus vs. an initial rewards bonus?
Why do some credit card companies (e.g. Barclays) only offer cards to people with good or excellent credit?

: Antony Davies
Associate Professor of Economics in the Palumbo Donahue School of Business at Duquesne University
Read More

: Jorge Pena Marin
Assistant Professor of Marketing at Carl H. Lindner College of Business, University of Cincinnati
Read More

: Gregory R. Wood
Professor of Marketing & Information Systems at Canisius College
Read More

: Ralph A. Oliva
Professor of Marketing, Smeal College of Business, Penn State and ISBM Director
Read More

: Scott A. Thompson
Associate Professor of Marketing, Richard A. Chaifetz School of Business at Saint Louis University
Read More

: Angela Lee
Professor of Marketing in Kellogg School of Management at Northwestern University
Read More

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Best Barclays Credit Cards of 2018:

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What is the best Barclays credit card?

Here are 2018's best Barclays Credit Cards:

Can you use a Barclays credit card anywhere?

Is Barclaycard Visa or Mastercard?

Ask the Experts

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