Barclays Bank US is the division of UK-based Barclays Bank that offers online banking products to customers in the United States. Barclays has been in operation since 1690, and Barclays Bank US is based in Wilmington, Delaware. You can learn more about Barclays Bank US below.
3.7/5 average rating among users on... show more
Barclays Bank US Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 07/06/2026.
3.7
23,669 reviews
from WalletHub and across the web
23,669 reviews from WalletHub and across the web
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Barclays Bank US
WalletHub @WalletHub
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4 Star Rating
editor's review
2026 Barclays Personal Loan Review
Barclays personal loans are available only to people who are invited to apply, at least for right now. People who are invited will have the opportunity to get an excellent loan, however, as Barclays offers inexpensive APRs ranging from 7.99% - 20.99%, according to third-party sources. On top of that, the origination fee is 0% and the late fee is $0. Barclays does not disclose APRs, terms, or amounts for personal loans, as they are available by invitation only.
Overall, Barclays personal loans are an attractive option for people with good or excellent credit. It is a bit harder to qualify for a loan from Barclays than it is to qualify for loans from most competing lenders. You’ll reportedly need a credit score of at least 700, which is at least 40 points higher than what a lot of other lenders require.
Barclays Personal Loan Review Highlights:
Availability: Invitation only
APRs:7.99% - 20.99%
Origination fee:0%
Late fee:$0
Funding time:A few business days after approval
Loan sizes:$5,000 - $35,000
Payoff periods:36 - 60 months
Requirements:700 credit score, SSN, U.S. citizen or permanent resident, 18+ years old.
Reputation: Barclays receives an A+ rating from the Better Business Bureau, and the company has an average user rating of 3.7/5 on WalletHub.
Co-applicants: Not allowed
If you’re fortunate enough to get an invite to apply for a Barclays personal loan, this competitive option is worth considering. Below, you can see how WalletHub rates Barclays loans in our three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Barclays Ratings by Category:
Category
Editor’s Rating
Terms
4.2/5
Requirements & Application
1.2/5
Reviews & Transparency
2.3/5
Overall Score
7.7/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Barclays Bank US Business Services
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Barclays Bank US
WalletHub @WalletHub
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5 Star Rating
editor's review
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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Barclays Bank US
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/
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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Barclays Bank US
Ebbie @ecasey1967
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2 Star Rating
Verified Customer
Decreased credit limit without notification
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Product: Barclays Bank US Credit Cards
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Barclays Bank US
Michael Scudmore @michaels340
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1 Star Rating
Verified Customer
They delay reporting balance payments by 2 or more weeks, causing havoc with credit reports. Very unprofessional and borderline fraudulent.
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Product: Barclays Bank US Credit Cards
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Barclays Bank US
Tom Schietinger @Toms_review
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2 Star Rating
Since I began using the Barclays JetBlue Credit Card, I thought there were some pro's to using the card vs other cards- mainly, keeping my travel and charges all under one umbrella so to speak. Meaning - charge flights via JetBlue and keep all e travel expenses together. Plus, I used the card to get added points to be used toward travel - I think you get the point. However, and this is a big deal to me - I was charged for a service that I didn't get... meaning someone stole from me - and Barclays JetBlue Credit card - let the vendor get away with it!! I cannot in good conscience, let Barclays side with a thief. That's a deal breaker for me. Never before has any other credit card company ever let an injustice succeed...yet Barclays did!! You see, it's not about using the card - and the bank makes money off of me - that's the easy part ... it's when there is a legitimate dispute, and your credit card company sides with the vendor who breaches their responsibility. If you can't trust your credit card company - then who can you trust!! Clearly not Barclays JetBlue Credit card!!
My card number has been stolen more than 3 times. Now the customer service is out of the US and it is horrible. I had to speak the security department that left me on hold for over 45 minutes and hang up the call near 5pm the time the department closes. After 3 call attempts I was able to connect with security dept and was told my card would be cancelled, a new one mailed and they will investigate some activity that appears to be fraudulent. They couldn't tell me what charges were done and my access online was blocked. This week I have received calls and messages asking for a payment on the account letting me know that I am behind on the payment. How they expect me to pay? First I don't have access to the account for over 2 weeks, I have not received a statement on the mail, and I am not sure what charges are they billing me. It is completely ridiculous. This organization was very good, my first years I was impressed, now I just want to cancel my accounts and run away from them. The rewards are not worth the headache, and the time consuming efforts to get clarification from them. Stay away from Barclays.
US Barclays Credit Cards are the absolute WORST decision you could ever make no matter the rewards offered to open the card!
I have an excellent credit score and have lived at my address for over 4 years in the US! They approved me for a credit card with a high limit of $15k!
I began using the card within 3 days of receiving the card to quickly earn the rewards that I was entitled to! But I was flagged for absolutely no reason!
The absolute hassle to then verify your identity and where to send (or fax - who in 2026 has a fax machine????) is the absolute worst as a first time card holder! Never in my life again will I ever subject myself to opening a Barclays card again nor will I ever let any family member do it in the future! General Motors (GM) should be ashamed of themselves for making this decision to go with Barclays as their credit card partner!
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Product: Barclays Bank US Credit Cards
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Barclays Bank US
Chati Torres @dimensionstours
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1 Star Rating
This is the worst customer service I've seen in my life. I made a chargeback because the merchant never refunded my money after receiving a return, showed the proof of delivery and emails confirming receipt and Barclays resolution was against me because they showed a picture of the package in front of a door. I never said I did not receive it, my claim is that I returned it and they never credited my account. To continue with the claim and get my money back, Barclays asked me to send a "FAX" to a number that did not work. I've been working with this for 3 days now and, at this point, I think I will better to lose the money than keep fighting with the powerful corporations.
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Product: Barclays Bank US Credit Cards
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Barclays Bank US
Roy Hos @rhosh
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1 Star Rating
All positive reviews are fake, I am a dying person asked for my 36$ reward they denied it because it’s less than 50, I am in the hospital with no chance to buy anything, what a garbage credit card company
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Product: Barclays Bank US Credit Cards
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Barclays Bank US
Jeff Roloff @jroloff
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1 Star Rating
I'd think twice about buying anything with a JetBlue credit card. I tried to dispute a charge from a merchant, and they railroad you and close it without due time for processing. I returned an item and the merchant acknowledged in writing that they received the return but that it could take months (3-4 mnths) to process it. JetBlue by Barclays asks you to mail in paper proof that they received the return. Within a week of that conversation they closed the case saying they haven't received proof yet. Yeah, that's because I had to mail it in. And then to reopen the case I have to mail in another physical letter requesting the case to be reopened. That can take 7-10 days after which I have to mail in copies of the proof again. Obviously the short time allowances and the request for items to be mailed in instead of taking email is all by design to screw the customer. I will never charge another thing on the JetBlue card. They do not have your back!!!!! I've disputed a few things with Citi and it was a breeze. Super super annoyed with JetBlue Barclays!
Takes 5 business days to apply a payment... anything over a $500.00 payment has a hold put on it. All their customer service is unable nor have the authority to do anything... even supervisors. Meanwhile they collect interest...
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Product: Barclays Bank US Credit Cards
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Barclays Bank US
MR Royz @royz7777us
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1 Star Rating
Barclay’s, the servicing bank for JetBlue Credit Cards, is the worst customer service we have ever experienced with a credit card over the decades we have been using credit cards! We got approved quickly, as our credit score is excellent. However, when trying to use it the first time to buy furniture online for delivery, we were denied. We got on the phone for over an hour- and they asked several highly qualifying security questions. They told us we need to pre-approve any online purchases over $2500. So we proceeded to try to charge an $800 tv for delivery, and again got rejected! We’ve sent a driver’s license, social security card, US passport, Tax return, utility bill- both in color and black and white and YET STILL, ALL THESE DOCUMENTS are NOT SUFFICIENT! Too light, too dark. So we sent copies by US mail - Now they want a birth certificate! JetBlue should realize how DIFFICULT Barclays has made it for customers to use the JetBlue credit card. If I could I would rate them -1 for the absolutely horrible customer service that we have experienced over the last 2 months in trying to USE our new JetBlue card.
My experience with this company and card have been beyond subpar. I have multiple credit cards with numerous companies and this has been by far the worst. I’ve barely had this credit card and they quickly froze my account due to “suspicious activity”. when I tried to verify my identification through questions they said I didn’t pass, even though I answered things correctly, there was a bit of a language barrier. I subsequently submitted my documentation, including photos of my license, Social Security card, and a bill. They have no online portal so It was done via mail, and it was not up to their standards and I was going to need to resubmit all the documentation again. I had to find this out by following up with them two weeks later. I am subsequently canceling this card and would highly recommend you go elsewhere for a credit card as this company as a whole has been an awful experience.
Get answers to your questions about Barclays Bank US below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can make a GAP Credit Card payment online, by phone or by mail. To pay a GAP Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays does allow cardholders to set up automatic payments, too.
Ways to Make a GAP Credit Card Payment
Online. Log in to your online account and find the payment button.
By phone: Call 866-383-5315 and enter your card information prompted.
By mail. Send a check or money order (but not cash) to
Barclays
P.O. Box 13337
Philadelphia, PA 19101-3337
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a GAP Credit Card payment, so just choose whichever method suits you best. The important part is to not miss payments, as that can seriously damage your credit score.
You can make an Old Navy Credit Card payment online, by phone, through the Barclays mobile app or by mail. To pay an Old Navy Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays does allow cardholders to set up automatic payments, too.
Mosaic is the name of JetBlue's elite status within the TrueBlue loyalty program. It's designed with four levels—Mosaic 1, 2, 3, and 4—to reward loyal customers, with each tier offering more valuable perks like free checked bags, priority boarding, and complimentary upgrades.
JetBlue Mosaic Tiers and Tile Requirements
You can qualify for JetBlue Mosaic by earning a certain number of “tiles” within a calendar year. You earn 1 tile per $100 spent on...
You can log in to your Frontier Airlines Credit Card account by going to the login page on the Barclays Bank U.S. website or mobile app and entering your username and password in the appropriate fields. Then, click the “Log In” to access your online account.
How to Register for Online Access on your Frontier Airlines Credit Card Account
Register your Frontier Airlines Credit Card for online account access. Click “Set up online access” and enter the last 4 digits of your Social...
You can make a Banana Republic Credit Card payment online, by phone or by mail. To pay a Banana Republic Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays Bank U.S. does allow cardholders to set up automatic payments, too.
Ways to Make a Banana Republic Credit Card Payment
Online. Log in to your online account and find the payment...
You can make a JetBlue Card payment online, by phone, through the Barclays mobile app or by mail. To pay a JetBlue Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays does allow cardholders to set up automatic payments, too.
Ways to Make a JetBlue Card Payment
Online. Log in to your online account and click...
The Uber Credit Card benefits include cellphone insurance, rental car insurance, and travel accident insurance, among other things. But this card is not available to new applicants anymore. However, existing cardholders enjoy the following benefits:
The JetBlue Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Barclays reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
After the JetBlue Card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new JetBlue Card, you may not...
The easiest way to apply for the Old Navy Credit Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub or by going directly to Barclays' website. Alternatively, you can apply in store.
Keep in mind that the Old Navy Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...
To check your Old Navy Credit Card balance, log in to your Barclays Bank account online or call credit card customer service at 1 (866) 928-8598. It's also possible to check your Old Navy Credit Card balance through the Barclays Bank app.
How to Check Your Old Navy Credit Card Balance
Online: Log in to your Barclays Bank account. You will see your balance on the home page.
By Phone: Call 1 (866) 928-8598 and follow the prompts to connect with a customer service representative.
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