Minimum Credit Score Needed 
Fair
Barclaycard Rewards MasterCard®
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: 302-622-8990.
Below you can review the Barclaycard Rewards MasterCard® and find the card's rates and fees according to our latest records, which may be outdated.
Alternatively you can compare the latest credit card offers and save money.
By:
Barclays
Info about the Barclaycard Rewards MasterCard® has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Barclaycard Rewards MasterCard®'s 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
Barclaycard Rewards MasterCard®'s Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
25.24% (V)
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ANNUAL FEE
None
-
BALANCE TRANSFER FEE
3% (min $5)
Barclaycard Rewards MasterCard®'s Additional Info
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MAX LATE FEE
$37
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MAX OVERLIMIT
FEE
None
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MAX PENALTY APR
None
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GRACE PERIOD
23 days
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ONLINE RESPONSE
No
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CASH ADVANCE
APR
25.49% (V)
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CASH ADVANCE
FEE
5% (min $10)
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FOREIGN
TRANSACTION FEE
3%
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SMART CHIP
Yes, chip-and-signature
- Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
- Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
- Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
- Access to future credit line increase reviews
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Barclaycard Rewards MasterCard® to our community.
How do I get Barclaycard pre approval? Reply 6
WalletHub
Jan 30, 2018 · @WalletHub
There’s currently no way to check for Barclaycard pre-approval. At least, that’s the case for Americans: You can use Barclays’ credit card eligibility checker if you live in the UK. The only hope the rest of us have of Barclaycard pre-approval is to get a pre-approved offer in the mail. And there’s no way to summon such a letter. Barclaycard pre-approves people on its own schedule, according to its own criteria. And they obviously aren’t public.
Getting pre-approved for a credit card is helpful because it means you have a roughly 90% chance of being approved for an account when you actually apply. But just because you can’t do an official Barclaycard pre-approval check doesn’t mean you’re flying blind. There’s a lot of information available that can help you estimate your odds of being approved for whichever Barclaycard you have your eye on.
Here’s what to consider in place of Barclaycard pre-approval:
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Minimum Credit Score: All of the Barclaycard credit card offers on the market right now require at least good credit for approval. And even good credit isn’t enough in a couple cases. What is good credit? You may think it’s a credit score of 660-719. But we’ve seen a lot of people with such scores get rejected for credit cards with good-credit requirements. So we recommend applying for Barclaycards that require good credit or better only if your credit score is 700+. And Barclaycards that require excellent credit should be reserved for people with scores of 750+.
You can check your latest credit score for free on WalletHub, the only site with free daily updates. - Ability to Pay: If your income level or your financial obligations indicate you can’t afford a new line of credit, Barclaycard won’t approve you.
- Good Credit Barclaycards: You need good credit or better to have a chance at qualifying for the Barclaycard Arrival® Plus World Elite Mastercard®, Mastercard® Black Card, Lufthansa Credit Card, American Airlines AAdvantage® Aviator™ Silver Credit Card, and Holland America Line Credit Card.
- Excellent Credit Barclaycards: You won’t have a shot at JetBlue Plus Card unless you have excellent credit.
Reportedly, there once was a Barclaycard pre-approval screening tool. And while there isn’t one now, that shouldn’t be too big of a deal. Pre-approval lets you check your chances without a hard inquiry, but even pre-approved people have to submit a formal application. And if you’re up to date on your credit score and have a clear picture of your finances, you should be able to decide if applying for a Barclaycard is worth it.
If it’s not the right call because your credit score is less than good, there are plenty of credit cards for people with fair, limited and bad credit from other issuers. Many of them let you check for pre-approval, too.
6
Upvotes
Which credit bureau does Barclays base the score they give you on? Reply 92
WalletHub
Jun 23, 2016 · @WalletHub
Barclays uses TransUnion data to pull your credit score.
9
Upvotes
How can I redeem points for my Barclaycard Rewards Mastercard? Reply 76
WalletHub
May 6, 2016 · @WalletHub
You can do so using your online account management tools.
First log in, then click on the “Rewards” tab on the right side of the page.
If you have not registered for online account management, you can enroll here.
To find out more about the Barclaycard Rewards program, check out our guide. Hope this helps!
7
Upvotes
Can I have more than one Barclays credit card? Reply 712
WalletHub
Dec 1, 2015 · @WalletHub
Yes, you can have more than one Barclays credit card, as there’s no rule against having multiple cards from the same issuer. One thing you typically can’t do, however, is open an account to get its initial bonus, close that account, and then repeat the process with the same card. Issuers tend to restrict eligibility for such sign-up incentives to those who haven’t been cardholders in recent years. That’s obviously not applicable to this card, but it might be helpful in the future.
7
Upvotes
How long does it take to get approved for the Barclaycard Rewards Mastercard? Does the fact that the "decision" was not instant mean you were not approved? Reply 67
WalletHub
Dec 2, 2015 · @WalletHub
While some applicants may be approved instantly because they match the exact criteria that Barclays is looking for, not being approved right away doesn’t mean that you won’t ultimately get approved once your application is reviewed in more detail. You will be informed either way once a decision has been reached.
6
Upvotes
What is most balance you can transfer? Reply 59
WalletHub
Nov 13, 2015 · @WalletHub
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!
5
Upvotes
Barclay Rewards MasterCard seems to have my information as if I applied for a card previously. If I send an application now will it lower my credit score? I do not recall applying for one. Reply 2
2
Upvotes
What are my odds of getting approved if my score is 724 and I have 3 inquiries in the last 6 months (all 3 are approved cards)? Length of credit history is only 6 months. Reply 22
WalletHub
Oct 22, 2016 · @WalletHub
The Barclaycard Rewards MasterCard® is designed for people with fair credit (620 – 659). Since you have excellent credit (720+), you have a good chance of getting approved. However, your credit history could be longer. You can apply online here: http://bit.ly/2eKpimu.
2
Upvotes
How long does the Barclaycard Rewards card take to report to the credit bureaus? How much of an increase in your score do you see after your first payment? Reply 2013
WalletHub
Sep 29, 2016 · @WalletHub
Credit card companies report account information to the credit bureaus on a monthly basis, and new accounts typically show up on your credit reports within 30 to 60 days of approval ( https://wallethub.com/edu/included-in-credit-report/25497/#Report-Updates ). That said, your credit score might actually fall slightly in the immediate aftermath of opening a new credit card account, due to the hard inquiry that followed your application and the fact that more of your disposable income is now spoken for by the new credit line. However, consistently paying your bill on time and keeping your credit utilization below 30% will foster credit score gains over time. If you're interested in tracking your credit-building progress, WalletHub offers free credit scores, reports and monitoring ( https://wallethub.com/join/ ).
20
Upvotes
Is there a fee for using it internationally? Reply 12
WalletHub
Jul 15, 2016 · @WalletHub
Yes, a 3% foreign transaction fee will apply to purchases made while traveling outside the United States as well as when you buy things from internationally-based merchants online. If you’d rather avoid this surcharge, you can also compare no-foreign-fee credit cards here: https://wallethub.com/credit-cards/no-foreign-transaction-fee/. Hope this helps!
1
Upvote
Barclaycard Rewards MasterCard® Reviews
Share your insights and review the Barclaycard Rewards MasterCard®.
Dec 11, 2018
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!!!!!
Comment
Sep 08, 2018
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.… show more
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.… show more
Nov 21, 2017
Worse customer service. Rudest, disrespectful relationship managers I have ever talk with. You call customer service you get automation service for hours on end and will hang call on you. As I was booking a flight came across an offer they on Priceline if you got the card you get instant 100 dollars discount on your current booking. Guest what, they took all information and approved me for the card but never gave me the credict. Just trying call back and cancel the card for days on end trying to get someone on the line, left on the line for hours on end can’t even cancel the card because can get a live person on the call. it’s a nightmare, don’t fall into this trap.… show more
Jul 26, 2017
Please read the reviews before you make the same mistake I did. I have excellent credit (FICO 810) but wanted to transfer 2,000 to Barclay card in light of the 0.00 balance transfer fee/rate offer. After applying for the card (I have never been turned down for credit in 30 years) I was told by Barclay my application was under review. I called once a week for four weeks and was told the same "review process" story. I realized something was not right and read the Terms and Conditions from their website. Barclay's site states "balance transfers that do not post within 45 days of your application will be charged the 13.99% APR." Their Terms and Conditions also state that "balance transfers will not be approved until 10 days after we mail your card to you. Additionally, the small print reads "it takes up to 4 weeks for balance transfers to post to your account." I realized Barclay card was stalling in approving my account so that the balance transfer would fall outside of their "45 days" period. I immediately called and cancelled my balance transfer request and withdrew my application from Barclay card. I then called Discover Card and the 2,000 balance transfer with them was a seamless process and posted to my account the following day. I was almost duped, and I wouldn't want another consumer to have the same experience I did with a creditor who is setting the rules then bending them to their benefit.… show more
Jun 06, 2017
This has been the best credit card I've ever had and I've had about 18 cards. Great rewards plan and bonus with signup and never had a customer service issue in my 8 months of using it. That I can apply my points (dollars) to cover the cost of travel 4 months retroactively is amazing. It means I can get the best deals on hotels, airfare, etc., without having to use the travel services of a credit card company or an airline. I had planned to cancel the card after I got my bonus points and while I don't like a yearly fee, the card is great for my purposes so will keep using it.… show more
Apr 22, 2017
They do not waive annual fees for military members. If you had the card prior to joining the military then yes the SSRA does apply and they will waive annual fees. Beware
Feb 21, 2017
dont waste your time and effort on this card. they asked for address proof even though I have been at residence for 6 yrs. high credit score and still not approved. inquiry ding on my credit for nothing
Feb 19, 2017
I made a mistake of thinking that, if paid the majority of the balance on my card at the end of the month on my Barclaycard Rewards MasterCard, the interest would only apply to the unpaid balance. This is how all my other credit cards work. But not this one, OH NO!!! For the month of January 2017, my monthly charges were $6244.79, of which amount I paid $6198.21 (the same month), leaving an unpaid amount of $46.21. All this is reflected on my January statement. And guess how much interest I was charged for the month of January 2017? I was charged $162.77 on the outstanding balance of $46.21!!! When I saw this, I immediately called customer service thinking this must be a mistake; however, I was told that the interest was correct. The customer service person gave me a convoluted explanation to the effect that the interest was calculated daily. She was very defensive and unfriendly. I give Barclaycard one star only because I have to pick between 1 and 5.… show more
Jan 28, 2017
Card with not bad rewards - but bank itself is bad, hard inquiries for everything, every time you call them.. Low credit limits. very hard to get CLI.
I have 725 credit score (shows 748 on their site) and my credit limit is 500 bucks.. Oh, my income 82k. . My 7 other cards have limit 5-15K I pay in ful every month l for last 12 years..
I have 725 credit score (shows 748 on their site) and my credit limit is 500 bucks.. Oh, my income 82k. . My 7 other cards have limit 5-15K I pay in ful every month l for last 12 years..
Nov 22, 2016
I wanted to apply for a Barclaycard to make a $425 purchase from Apple on a six month promotional plan. The Barclaycard rep said that I must do the app online, which I did directly on their website and was approved for over $5,000. I could not find any information about promotional offers, so I called Barclaycard back. The next rep told me that I had applied for the WRONG KIND of card and would have to go back and apply for the correct card. Naturally, I was not approved for two cards in one day, so I called a third time hoping to get my account switched over to the correct kind of account WITHIN THE COMPANY ITSELF. The third rep told me that the only thing she could do was cancel the current card and I could try again in thirty days. Well, that'd be after Christmas and therefore defeat the purpose of making the purchase early. She also encouraged me that, without the promotion, it'd only be about $51 in interest. No thanks! I don't understand why my standard Barclay card couldn't be switched to an Apple rewards Barclay card. Isn't a store-restricted card easier to get than a card for general purchases?
Because Barclaycard cannot change accounts within their own business, I was a Barclaycard member for no more than maybe fifteen minutes and am no longer eligible for a promotion that I should qualify for. I will be receiving three letters from them - an approval, a decline, and a cancelation confirmation. It's probably for the best. Consumer affairs has over 550 complaints on them. I'll just buy my gift with cash from the Apple Store, with $20 off because I'm a teacher.… show more
Because Barclaycard cannot change accounts within their own business, I was a Barclaycard member for no more than maybe fifteen minutes and am no longer eligible for a promotion that I should qualify for. I will be receiving three letters from them - an approval, a decline, and a cancelation confirmation. It's probably for the best. Consumer affairs has over 550 complaints on them. I'll just buy my gift with cash from the Apple Store, with $20 off because I'm a teacher.… show more
Sep 09, 2016
This is the first bank that gave me a chance on my rebuild (the only positives that I had on my credit were a car loan and 3 months as an AU on a Capital One). I was also shocked that they approved me even with a charge off and a collection on my report. My only complaint is that they gave me a low limit. They started me at $500, but I know this card will grow for sure.
Now a suggestion for those that use this card, use it and pay it off regularly. I have only had the card for a week and I have over 700 points (aka $7). Also if you are on your way to rebuilding your credit and have a Trans Union FICO of 620+ then this is a great card to apply for.… show more
Now a suggestion for those that use this card, use it and pay it off regularly. I have only had the card for a week and I have over 700 points (aka $7). Also if you are on your way to rebuilding your credit and have a Trans Union FICO of 620+ then this is a great card to apply for.… show more
Jun 20, 2016
Unfriendly terms, billing issues and not great customer service. Wish JetBlue never switched from Amex. Never had an issue with them. Have had nothing but issues with Barclay Card.
May 24, 2016
I am the very unhappy holder of a Barclay Arrival MasterCard. The benefits for signing up were attractive. The two points per dollar and the bonus for using the points for travel (even though the bonus was reduced by fifty percent shortly after I started using the card) were a plus as well. In addition, because most of my travel is abroad, the lack of international transaction fees was compelling. All good.
But then I began using the card. My card has been blocked so many times that I have lost count. One time, when I tried to make a purchase in Pittsfield, MA, the town next to where I live, I was told that it was blocked because I was out of area and hadn’t notified Barclay! Internationally, it has been a near total disaster. No amount of notification prior to travel has been sufficient. Quite often I have been blocked from using the card for transactions that I have previously made on a regular basis.
Most recently, I called Barclay preemptively before trying to purchase airline tickets on a travel site I have used again and again. The person I spoke with assured me that there would be no problem. The transaction was immediately blocked. I talked to a variety of supervisors trying to make the card work. Each, in turn, assured me that any problem had been corrected. To no avail. Finally I was told that a security supervisor would call me back in 24 to 48 hours if I wanted them to! I didn’t.
There’s more: it’s infuriating to have your card blocked when you are making a legitimate purchase. It’s beyond infuriating to have the Barclay representative give inane, impossible reasons for the blocking, often in the sort of tone of voice that one might use with an especially stupid child: “Sir, the problem is that you don’t have sufficient credit to make that transaction” — credit $25,000, transaction $50.00. Another: “Sir you need to let us know when you travel outside of the country.” I then asked the person if she could not see my travel notification on her screen (or abacus, or whatever they use.) She allowed as how she could. And another: a representative told me yesterday that my card had not been blocked since April. I pointed out that I had five text messages from the fraud department saying that it had been blocked. Her answer, again, condescendingly, was that it didn’t appear that way on her screen.
Another issue: Each time I have had to call Barclay from Asia to find out why my card is being blocked, I have to pay for the call. I have frequently had to wait up to forty-five minutes to speak to an agent. The collect call option only works for land lines. Virtually no one in Southeast Asia uses a land line.
Additionally enraging and perplexing is that my friends who I travel with who have Chase, or Capital One, or Bank of America cards never have their cards blocked.
So… I have applied for and been granted another card from a different company.
Avoid Barclay at all cost. They are truly awful.… show more
But then I began using the card. My card has been blocked so many times that I have lost count. One time, when I tried to make a purchase in Pittsfield, MA, the town next to where I live, I was told that it was blocked because I was out of area and hadn’t notified Barclay! Internationally, it has been a near total disaster. No amount of notification prior to travel has been sufficient. Quite often I have been blocked from using the card for transactions that I have previously made on a regular basis.
Most recently, I called Barclay preemptively before trying to purchase airline tickets on a travel site I have used again and again. The person I spoke with assured me that there would be no problem. The transaction was immediately blocked. I talked to a variety of supervisors trying to make the card work. Each, in turn, assured me that any problem had been corrected. To no avail. Finally I was told that a security supervisor would call me back in 24 to 48 hours if I wanted them to! I didn’t.
There’s more: it’s infuriating to have your card blocked when you are making a legitimate purchase. It’s beyond infuriating to have the Barclay representative give inane, impossible reasons for the blocking, often in the sort of tone of voice that one might use with an especially stupid child: “Sir, the problem is that you don’t have sufficient credit to make that transaction” — credit $25,000, transaction $50.00. Another: “Sir you need to let us know when you travel outside of the country.” I then asked the person if she could not see my travel notification on her screen (or abacus, or whatever they use.) She allowed as how she could. And another: a representative told me yesterday that my card had not been blocked since April. I pointed out that I had five text messages from the fraud department saying that it had been blocked. Her answer, again, condescendingly, was that it didn’t appear that way on her screen.
Another issue: Each time I have had to call Barclay from Asia to find out why my card is being blocked, I have to pay for the call. I have frequently had to wait up to forty-five minutes to speak to an agent. The collect call option only works for land lines. Virtually no one in Southeast Asia uses a land line.
Additionally enraging and perplexing is that my friends who I travel with who have Chase, or Capital One, or Bank of America cards never have their cards blocked.
So… I have applied for and been granted another card from a different company.
Avoid Barclay at all cost. They are truly awful.… show more
Apr 24, 2016
I go this card to be used as my every day credit card. It gives you 1% back on everything and 2% back on groceries, gas, and utilities which are all very common expenses so you can really rack up the reward points. The rewards can be cashed out as a credit on the card. I'd recommend this as it has no annual fee and because of the above rewards. The customer service is great - someone got hold of my number and tried to do a number of purchases halfway across the country which Barclay's pre-emptively declined and then contacted me via text and a phone call. They issued me a new card which I got in just a few days after this incident. The only thing I can think they could improve on is the interest rate is a bit high, however I don't carry a balance ever so for me that's sort of irrelevant.… show more
Apr 20, 2016
BEWARE OF HARD INQUIRY! applied for this card by reading reviews and got declined with 1 hard inquiry on the report. if your credit history is less than 7 months with fair credit score and good payment history, don't even bother to apply!
09/09/16
First off, all credit cards will do a HP when you apply (only exclusions are certain store cards that are issued be Comenity Bank) Second I hate to say this, but you can not trust the scores that you have here on WalletHub, as they are FAKO scores. If you really want to know about odds of approval for a card, you need to know your FICO scores. There can be big differences from one score model to the other. My FICO is 639 where as my WH score is 523.… show more
Mar 15, 2016
I got my Barclay charge card to help make ends meet while trying to pay off some high credit debt. So far, I am very pleased with Barclay and enjoy their Rewards program which pays you back on certain purchases. The website is very nicely designed, I wish my other cards had as easy to use of a web portal as Barclay's!
Feb 08, 2016
I just picked up this card for traveling. I am not really big into traveling but have a Ireland trip in the works. Always wanted to go with my wife and sounds like a heck of a time. Problem with international traveling is credit cards. This card will be accepted without issue and it has great rewards in cash rather then miles. There are better cards if you travel often and can make full use of the miles but for those of us that do it in spurts, cash rewards are just better. Didn't have any issues getting it and don't foresee any issues in the future.… show more
Jan 25, 2016
THE WORST DO NOT DO BUSINESS WITH THEM! They trick you! They will place your money wherever they want, if you wish to make payments on a card that is soon due they will place your money on a different card that is not due for another year! There is nothing you can do, I'm so upset and disappointed. I wish I could give them a 0 on their review.
Jan 08, 2016
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/… show more
To learn more about this excellent offer, check out our in-depth review: http://wallethub.com/edu/barclaycard-rewards-mastercard-review/25942/… show more
06/20/16
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.
Jan 05, 2016
This card has been a "stepping stone" credit card for me. It was my first credit card with no annual fees! It was great to have finally built enough credit to not have to "donate" my rewards just to maintain a card. The only downside is that the APR is high, however, since you are still working towards building for better credit cards, you should be able to handle your purchases! This card is great, and I recommend it to anyone!… show more
Jan 05, 2016
Really love this card one of the easiest process to obtain this card. The apr is a little high for this card but It's decent I keep it as a back up emergency card. I'm also using it to slowly build up my credit which is great. I think the interest rate could really be lowered that's the one thing Im a little displeased about this card. But overall great customer service, easy to manage your card etc. I love the card.… show more
Dec 16, 2015
The Barclay Rewards Master card has one thing going for it and one thing only, and that is that there is no annual fee. Why would they need to charge one, though, when you consider the truly amazing interest rate. Holy moly. Nearly 25%. People, stop. Don't use these credit cards. It is a trap. Unless you can pay off your balance every single month without fail, this credit card will not help your finances out in the least. Customer service is nothing special. I have talked to them a few times and the response has ranged from surly and rude to adequate. Getting a person on the line seems to take awhile, so be prepared to wait a bit if you call. I don't recommend this card. I think this corporation preys on people who are down on their luck. You don't need good credit to get this card. Be very cautious. Pay it off monthly or suffer the consequences.… show more
Dec 12, 2015
Very bad service and regulation.bill not received.asking for late fee to removed nothing happen..very not reliable card service.suggest not to get this card.
06/20/16
Same thing happened to me. I had to login every month to get my bill even though I was supposed to receive a mailed copy.
Dec 01, 2015
While on vacation, I ordered food to be delivered to my hotel room on 11/28/2015. The food never arrived. The next day I called the restaurant and no one answered the phone. That same day I called the Barclay customer service line and spoke to a representative who said that the transaction was in pending status and to call back when it posted in account.
Today 12/01/2015 after making multiple attempts to contact the merchant for a credit/refund I decided to call the customer service line again--this time the charge was posted in my account.
I spoke with one of the customer service reps and she told me that there was nothing that she could do! I asked to speak with a manager and she left me on hold. I'm appalled by the poor customer service and lack of help on behalf of your customer service representatives!
I have been with your company since 2014 and this is the first time I have had to dispute something, and I get treated like I am an inconvenience.
Due to today's incident with your customer service representative, I will no longer be using this card to make any future purchases and will close this card out as soon as possible. I had also referred 3 other people to open up accounts--and will no longer be referring others to Barclay.
It's a shame that you will be losing such a loyal client who has never paid late and makes every attempt to pay off credit card asap due to the careless customer service reps. who blatantly makes the client feel like an annoyance.… show more
Today 12/01/2015 after making multiple attempts to contact the merchant for a credit/refund I decided to call the customer service line again--this time the charge was posted in my account.
I spoke with one of the customer service reps and she told me that there was nothing that she could do! I asked to speak with a manager and she left me on hold. I'm appalled by the poor customer service and lack of help on behalf of your customer service representatives!
I have been with your company since 2014 and this is the first time I have had to dispute something, and I get treated like I am an inconvenience.
Due to today's incident with your customer service representative, I will no longer be using this card to make any future purchases and will close this card out as soon as possible. I had also referred 3 other people to open up accounts--and will no longer be referring others to Barclay.
It's a shame that you will be losing such a loyal client who has never paid late and makes every attempt to pay off credit card asap due to the careless customer service reps. who blatantly makes the client feel like an annoyance.… show more
Nov 26, 2015
As a single mother, I wanted to start to build up my credit score so I had came across this which required just an average credit score. I am extremely happy to get approved for the card and I have always enjoyed the rewards they provided. For example you are able to earn good points when buying gas for your car and even groceries. Even though the APR rate is somehow high is it a great way to get started and build up a great credit score.… show more
Nov 20, 2015
Horrible! All my credits pain my my husband. Started to paying by myself soon realized this card charged interest every month from e few to twenty dollars. So decided to cancel this card and the troubles come along for three months now. Phoned them clearly stated I want to pay off the balance and close the account and repeat my bank account two times but they said didn't received the payment. So paid 25 dollar fee and interest. But same thing happened again. So called again this time straight asked to speak with the manage. Gave bank account and closed the credit card but I have almost 50 dollars rewards. The manager stated after l closed my card then make a call after two business days and they will issue me a check for the rewards. But I called they said it is not work that way I have to use it. Is that funny? The worst thing has happened again: they didn't receive payment again and statement has added another 25 dollars fee and interest. Called them asked why all my other credit cards received the payment just this one not? Is that suspicious? Have enough money in my bank account, called my bank they said there is no translation to this card. Why? Called them three times and gave my bank account three times. I buy one time but not three. 75 dollars fee for three times plus the high interests and three months I still did not get rid of this horrible card.… show more
Nov 08, 2015
This is the hardest credit card company to work with in my life. They lock the account with simple transactions calling the suspicious, so that I have to call and unlock the account. I had to dispute a charge, it took 2 email, a phone call and a letter to get the issue resolved.
Oct 08, 2015
I've had every card, from bad credit ones like First Premier, to an American Express card. Barclay is easily the worst card ever...
I got a Barclay reward card a year ago... it's awful. Every 4 to 6 transactions I get double charged as it'll have the same transaction in 'posted' as well as 'temporary authorizations'. Out of $1,500 credit, I can purchase something for $300... two days later, my available credit will be $900. Another two days later, it finally settles back at $1,200. This is unbelievably annoying and never happens with any other card I've ever owned, and I've had just about every one at one point or another. Before I realized this, my wife and I used it on a trip to Florida... after numerous charges, I checked the balance the next day and we had $800 left. Although we didn't use it that day, the following day, the available credit was down to $350!! Took two days to finally 'balance out' with the phantom charges falling off.
Customer service is in India, so trying to resolve issues like the one above is a complete waste of time... the entire service department is useless. They have ZERO grasp of mathematics and you'll never be able to explain balance issues where totals don't come out right.
After having it for ten months, I decided to request credit increases on both this card and my Capital One... Capital One gave me an extra $750. Barclay declined, stating my 'balance was too high'... what balance? I pay it off in full every month!!!
I no longer carry this card around. I just got approved for a Discover with nearly twice the credit limit, so once it arrives, Barclay will be canceled and will go where it belongs... in the garbage.… show more
I got a Barclay reward card a year ago... it's awful. Every 4 to 6 transactions I get double charged as it'll have the same transaction in 'posted' as well as 'temporary authorizations'. Out of $1,500 credit, I can purchase something for $300... two days later, my available credit will be $900. Another two days later, it finally settles back at $1,200. This is unbelievably annoying and never happens with any other card I've ever owned, and I've had just about every one at one point or another. Before I realized this, my wife and I used it on a trip to Florida... after numerous charges, I checked the balance the next day and we had $800 left. Although we didn't use it that day, the following day, the available credit was down to $350!! Took two days to finally 'balance out' with the phantom charges falling off.
Customer service is in India, so trying to resolve issues like the one above is a complete waste of time... the entire service department is useless. They have ZERO grasp of mathematics and you'll never be able to explain balance issues where totals don't come out right.
After having it for ten months, I decided to request credit increases on both this card and my Capital One... Capital One gave me an extra $750. Barclay declined, stating my 'balance was too high'... what balance? I pay it off in full every month!!!
I no longer carry this card around. I just got approved for a Discover with nearly twice the credit limit, so once it arrives, Barclay will be canceled and will go where it belongs... in the garbage.… show more
09/08/18
You will like Discover. Great customer service and great monitoring. Also if theres a problem they are on it like flies on Sh..
Aug 13, 2015
I've had a Barclay card for two years, I love it. Not only do I have a low interest rate, every time I buy something, I receive rewards points
Aug 05, 2015
Throughout the process of getting my issue resolved I was redirected multiple times, eventually leading back to where I started. I don’t usually leave reviews, but for once I decided to document my experience. These are the notes I took while talking through getting my issue resolved.
(first day)
first cs rep I talked to went to a higher authority, possibly a secruity consultant and said i would have to deal with the apple department, i was then disconnected from the call
second cs rep I talked to, went to higher authority or some kind of manager said that my issue could be resolved by talking to the investigations department, however they were closed so I would have to call them the next day
(second day)
I talked to investigations and they said that their department could not take care of my problem and they were only responsible for fraudulent charges. he then redirected me back to customer service
third cs rep. after talking to manager and looking through notes(with me having to interpret for her, what “customer correspondence” mean’t while she listed off a series of notes on my account
auto closure
states my account was delinquent(It had only been 1 month since I opened the account)
customer correspondence to close the account
all of this took place on the xxxx date
after talking through the notes and finally getting straight answers from the rep I was able to have them email the specific rep that closed my account. after having to state that I already had to do enough on my end I was able to schedule a callback from a manager.
Total length of that phone call was 58 mins.
(third day)
after getting a manager on the phone the next day, they finally figured out that they sent the card to the wrong address. The account was closed because somebody sent the letter back saying, “you sent this to the wrong address". Their solution was to send a, “sorry to receive your request to close the account” back to the wrong address. Even though the entire time they had my right address on record.
they resolved my issue by reopening my account, which they said the day before could not be done. They also decided to overnight me a new card. (free of charge)
throughout the entire experience there was constant blame deferral. something along the lines of , “sir you must have called in to close the account” or “we have a certain criteria for closing accounts” was said. even though the notes stated “customer correspondence” i was consistently hinted at that I had called in. the term “voluntary closure” was also constantly used, like that was supposed to mean something to me.… show more
(first day)
first cs rep I talked to went to a higher authority, possibly a secruity consultant and said i would have to deal with the apple department, i was then disconnected from the call
second cs rep I talked to, went to higher authority or some kind of manager said that my issue could be resolved by talking to the investigations department, however they were closed so I would have to call them the next day
(second day)
I talked to investigations and they said that their department could not take care of my problem and they were only responsible for fraudulent charges. he then redirected me back to customer service
third cs rep. after talking to manager and looking through notes(with me having to interpret for her, what “customer correspondence” mean’t while she listed off a series of notes on my account
auto closure
states my account was delinquent(It had only been 1 month since I opened the account)
customer correspondence to close the account
all of this took place on the xxxx date
after talking through the notes and finally getting straight answers from the rep I was able to have them email the specific rep that closed my account. after having to state that I already had to do enough on my end I was able to schedule a callback from a manager.
Total length of that phone call was 58 mins.
(third day)
after getting a manager on the phone the next day, they finally figured out that they sent the card to the wrong address. The account was closed because somebody sent the letter back saying, “you sent this to the wrong address". Their solution was to send a, “sorry to receive your request to close the account” back to the wrong address. Even though the entire time they had my right address on record.
they resolved my issue by reopening my account, which they said the day before could not be done. They also decided to overnight me a new card. (free of charge)
throughout the entire experience there was constant blame deferral. something along the lines of , “sir you must have called in to close the account” or “we have a certain criteria for closing accounts” was said. even though the notes stated “customer correspondence” i was consistently hinted at that I had called in. the term “voluntary closure” was also constantly used, like that was supposed to mean something to me.… show more
Aug 05, 2015
The CL was terribly low. When I tried to get it raised months later, I was given the run around and a denial via voice mail. My credit utilization for other cards is good and I have no late payments. Their customer service is based in India and is very poor.
Jun 23, 2015
I initially chose the Barclay Mastercard to use exclusively for Gas and groceries. After I was with them for about a year, I had run the balance up to about $4500, because I started using it for airfare. I decided to pay it off with my income tax, and as soon as I did they lowered the limit from $5000 to $500.
May 02, 2015
This is my second Barclay card, with the first one being the NFL rewards card. I have now switched to mainly using this card as the double points feature is excellent for my spending habits. I basically utilize this card to pay for all my utilities, groceries, and gasoline each month. I then pay the balance at the end of the month so I do not accrue any interest charges. The double points, combined with my monthly spending in the above categories amounts to a free $25 about every 45 days. That is an extra $200 a year just for using their card to pay bills you were going to pay anyway. Thanks Barclay!… show more
Feb 24, 2015
Using the Barclaycard® Rewards MasterCard is the first credit card that really allowed me to take advantage of it's benefits. As a mostly local traveler, I earn more points when I can accumulate them buying gasoline, groceries, and utility purchases during my everyday ventures. This is one of my favorite credit cards to use on the go, or just on the town.
Jan 13, 2015
I've had this credit card for almost 9 months and like it. They approved me quickly and had an option to ship my card out ASAP (I had an emergency and needed credit asap). I have fair credit and was extremely happy that they approved me. The website and Android application are extremely easy to navigate and have all the information that I need. As with other cards the rewards for points are not that great but that's to be expected from any credit card in my opinion. I've had to contact customer service for login issues on the website and they were able to assist me immediately and get me access to the site when needed. Overall great experience with Barclaycard and would recommend to others.… show more
Sep 29, 2014
I felt proud when I got this card as it is proof that my credit score is going up. But I think the interest rate is relatively high, so I only use this card for emergencies and usually pay the balance right away or as soon as possible. I believe my credit score is also improved by using this card. I believe this card is very helpful to people for improving their credit rating, although there are better options available for this with lower interest rates.… show more
Sep 04, 2014
I've had this card for a little over a year. It started out great because of the rewards & it offered a bonus in the beginning. After the initial investment with it the interest went up to 20 something percent. It was a great card to use for my first credit card though.
Sep 02, 2014
I like this card. High balance for my credit score and low monthly payments, what more can I ask for? Never had any issues!
Jul 18, 2014
I have had a Barclay Rewards Mastercard for a little over a year now. I was first turned onto the card because it offered a much lower interest rate than my other credit cards. In the beginning, I did a balance transfer in order to pay off a higher interest card. Since paying that down, I know use the card for everyday purchases. It has one of the best rewards programs around. Every month there is a new offer to receive even more rewards. I so far have been able to receive enough rewards to be able to obtain a $50 statement credit. I love Barclay and their rewards system! I would certainly recommend this card to anyway. Best of all, it has no annual fee!… show more
Jun 05, 2014
This card is isn't bad. I was trying to rebuild credit due to some issues with identity theft and this one worked for me at the time. There was no annual fee, which I liked cause most cards have ridiculous fees and rates. I did like that you could earn points back though. I usually just applied this back on the card as an account credit. Would I keep the card? No. The APR is high and I would rather stick with my other card that has a 9.9% interest as opposed to 20 something. But not a bad card if you're trying to build/rebuild.… show more
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Last updated on: January 29th, 2017 at 12:18
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jan 29th, 2017 at 12:18 ET