Barclaycard Rewards MasterCard® Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Barclaycard Rewards MasterCard®. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesBonus categoriesQualify with fair creditSpending caps on rewardsNo rewards bonusNo intro APR on purchasesNo intro APR on balance transfers
We're sorry, but the Barclaycard Rewards MasterCard® may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 866-928-8598, Ext.
You can review Barclaycard Rewards MasterCard®'s rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
Rewards%APR1,771Reviews14Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Fair Credit
Annual Fee
$0
Rewards
2X points on gas, utility and eligible grocery store purchases
1X points on all other purchases
Points don't expire as long as account is open, active and in good standing
Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
No limits on the number of points you can earn or redeem
Can't find what you are looking for? Submit your question about Barclaycard Rewards MasterCard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
You can redeem your Barclaycard Rewards MasterCard® points by logging in to your online account, either on the Barclays website or your mobile app. Alternatively, you can call customer service at the number on the back of your card.
Here is how to redeem your Barclaycard Rewards MasterCard® points:
Choose between redeeming your points for cash back statement credits, gift cards/certificates, or merchandise.
Points are generally worth more when redeemed for cash back statement credits or gift cards. Statement credits are generally posted to your account within 2 business days, while gift cards and merchandise may take up to several weeks to be delivered to your address.
Keep in mind that statement credits reduce your account balance, but they will not be applied to any minimum payment required. You can learn more about your Barclaycard Rewards MasterCard® points worth by checking out the Barclaycard Rewards Program review.
The Barclaycard Rewards MasterCard was designed for people with fair credit (i.e. a credit score of 640+). It is no longer available to new applicants, but you can compare other rewards credit cards here.
On that note, Capital One QuicksilverOne is another rewards credit card that offers the same approval odds with...
A Barclaycard Rewards Mastercard approval is often issued instantly if you apply online. But there are times when they need a bit longer to access the required information and make a decision (up to 30 days).
While some applicants may be approved instantly because they match the exact criteria...
The Barclaycard Rewards MasterCard® foreign transaction fee is 3%. The fee applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
If you'd rather avoid this surcharge, check out our editors' latest picks for the best no foreign fee credit cards on the market to weigh...
You can transfer up to the amount of your spending limit, after factoring in transfer fees and any unpaid balance on the card that you're transferring to. In other words, it depends on how much available credit you have. Hope that helps!
Share your insights and review the Barclaycard Rewards MasterCard®
5
13%
4
29%
3
34%
2
17%
1
7%
3.2
1,771 reviews
1,771 reviews
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WalletHub @WalletHub
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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/
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Sarah Whitney @sarahw92
I can't believe this review. This is the worst card for people with bad credit. Barclay's billing practices are questionable and could send your credit rating even further down.
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joeigolf @joeigolf
That 3.8 should be a 1.8 they have the worst customer service dept. The representative lie to you and even the managers lie to you do yourself a favor don't deal with this bank
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rickbarbarossa @rickbarbarossa
@sarahw92 Barclay's is screwing me.
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Sandra Sue S @ssssandrasue
I have no interest in using or doing business with the international company’s. I will stick with the US$$$.
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Sandra Sue S @ssssandrasue
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3 Star Rating
Verified Customer
I always pay ASAP, on time when I use the barclay card. I have a big big problem with this company… I will send my payment before it’s due but they have said twice they didn’t receive my $$. So now I’m overpaid on this card. The customer care I get from this company is not a company I enjoy working width. This is one reason I do not use this card often. GODBLESS & have a fantastic day. I do not owe them money,
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Sandra Sue S @ssssandrasue
Also, I did say I overpaid because they do not have the staff to post payments on time. Therefore I had to send another payment. The first time this happened to me about them not receiving my payment… on my credit report I was punished .. showing I’m not responsible paying my bills. Than the credit report employees are incompetent & say “Oh you want to dispute this” lol, both companies take you on a carousal ride! It’s almost like they want everyone to be a deadbeat debt person! “Where are our leaders”! “Credit card” usage is not what it use to be! Because of the other comments I will not use this credit card. Thank you all for your honesty!
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Daniel @danharr77
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5 Star Rating
Verified Customer
Good card can use it anywhere. The website is great easy to use for payment information,billing and account history. If you use it to buy clothes from Old Navy you get a discount.
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Pamela W @pamelabr21
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2 Star Rating
They give good increases, HOWEVER, they do not apply payments correctly and when you call to have it fixed you can barely talk to a rep who is in the USA, then when you do get a rep instead of fixing the issue they tell you to look at your statement. Like obviously I DID THAT WHICH IS WHY IT NEEDS CORRECTED!! You are unable to speak to the A/R dept!!
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Joseph G @josephngreene135
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5 Star Rating
Verified Customer
So you have to make a payment on your account for a new account to get the credit cards you want and you will be charged with a new one
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Tangela @tangelak
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5 Star Rating
Verified Customer
The interest rate is high on this card however they do run promotions every so often for lowered interest rates. I get $25 Apple Cards when I spend $2500 wish it was just a card I could use anywhere.
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dandjbebay @dandjbebay
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1 Star Rating
I mailed them a payoff check on 2/25/21 that I got by refinancing my house. I sent it certified mail so that I could track when it got there.
It was delivered to their mailbox on 3/3/21. I waited until 3/5/21 before calling them. It still hadn't been picked up.
I asked the 1st person and a supervisor if they would please pick up the check and process it before my due date of 3/8/21. They both quoted me that their mailed payment process takes 7-10 business days and it wouldn't be processed until 3/11/21. They said they wouldn't refund or do anything about the late fee that would be incurred, even though the payoff was sitting in their mailbox for 2 days already and would be there for 5 business days before they processed it.
I had to make an extra payment online and now I will have a couple extra hundred dollars paid on my account when they process the check. I'll have to find out how to get that money back. I will be closing my account as soon as I can.
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Denis Ouellette @deniso1
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1 Star Rating
Verified Customer
Used to be a good card only because they rewarded my loyal use and excellent sore with very attractive balance offers. This has been suddenly cut off without explanation. They now have the worst BT offers of any of my card: my regular interest rate plus a 4 fee. By Barclay, you cut the only feature that made it worth having your card, take a hike.
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Morris Allen @prospertwo
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1 Star Rating
Scam/Trick,preapproved to pay high intrust cards ,right, after running credit getting account, limit 250.00,bate & which. can ask for increase later, HOWEREVER at 20%. BUYER BEWARE!!!!!!! : first call is to a far east country,for application,Then U.S. for increase try,DO YOUR HOMEWORK!!!!!
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Diana Foret @dianaf_25
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1 Star Rating
Verified Customer
It all starts with a merchant I ordered from who did not send ALL of the order. so naturally I filed a dispute when the merchant ignored my requests for the rest. Barclay basically just added a note to my account and it went on my credit report (just the dispute note, which can harm you if youre trying to buy a house)! They also said I still have to pay the disputed amount and if they rule in my favor then I will get credit (Luckily the merchant made good so I paid it). LOL Go Eff yourself!
Secondly, to get a limit increase, which Ive had this card for a couple years now with a 1500 limit, they put a mark on my credit again by checking. None of my other cards do that and I have a lot. They still turned me down for an increase.
Thirdly, which doesnt have anything to do with me, but still, My friends husband had an account opened is his name by his ex wife unknowingly and she maxed it out. Barclay is still making him pay for it! He obviously won the case against herin court and she has to pay it but cmon, do you think she will? Hes still responsible and still has to pay it off.
So with all of that, and maybe its petty to you, but there are other cards out there that are on the customers side. Discover, the best at customer service, Chase, Citi, Capital one, Theyre all 10 stars better than this hunk of crap Barclay and as soon as I buy my house in the next few months, I am cutting them off. I have stopped using it completely.
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