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Best Barclaycard Credit Cards

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by Sean Bryant | Updated Jul. 28, 2017
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Overview

Barclaycard is one of the newer issuers of credit cards in the United States. However, after a little over a decade, they have quickly become a favorite for many households. The biggest reasons are because they offers one of the most valuable flat-rate travel cards on the market, plus they waive fees and provide 0% interest to active military personnel. A look through the Barclaycard credit card list and you will notice a common theme...corporate partners. You will find everything from American Airlines, Choice Hotels, and even the NFL. We have taken each card through a strict grading process to determine which card might be the best for your individual needs. See More


Best Barclaycard Credit Card for Travel

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  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • 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
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers.

Annual Fee

$89 - Waived first year

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 12 months (on balance transfers made within 45 days of account opening)

Regular APR

16.99%, 20.99%, or 23.99% Variable

Benefits

If you are looking for a travel credit card with a high sign-up bonus, generous rewards for purchases and flexible redemption options, then Barclaycard Arrival Plus™ World Elite MasterCard® is for you. When you sign up for this card, you’ll receive a 50,000-mile bonus after spending $3,000 within the first 90 days.

You will then receive 2x miles for every dollar that you spend with your card. When it comes time to redeem your miles, you can do so for statement credits on any travel expense. Every 10,000 miles that you redeem is worth a $100 statement credit. Plus, each time you redeem miles, you will receive 5% back into your account.

In addition to being a great card for rewards, it also offers an introductory 0% APR for 12 months (on balance transfers made within 45 days of account opening). After the introductory period is over, the APR will change to 16.99%, 20.99%, or 23.99% Variable. There is also a fee on all balance transfers of 3%, minimum $5.

Things to Consider

Like most travel reward cards, Barclaycard Arrival Plus™ World Elite MasterCard® has an annual fee. The fee is $89, but it’s waived the first year. Before you make the decision to apply for this card, make sure the miles you can earn justify paying an annual fee.

Verdict

If you are looking for a travel credit card with flexible redemption options, then Barclaycard Arrival Plus™ World Elite MasterCard® is the perfect choice. This card will allow you to use your rewards toward travel purchases, which most cards won’t cover.

Best Barclaycard Credit Card for Cash Back

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  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months (on balance transfers made within 45 days of account opening)

Regular APR

15.99%, 20.99% or 25.99% Variable

Benefits

The typical cash back credit card will reward cardholders for the purchase they make. Barclaycard CashForward™ World Mastercard® is a little different. To start, you will earn an unlimited 1.5% cash back on every purchase. Then when it’s time to redeem your cash back, Barclaycard will give you a 5% redemption bonus to use on your next redemption.

In addition to the earnings potential you have on purchases, there are a couple of other useful features. After you are approved for your card and spend $1,000 within the first 90 days, you will receive a $200 cash rewards bonus. Plus, you will receive an introductory 0% APR on balance transfers for the first 15 months (transfers must be completed within the first 45 days). After the introductory period is complete, the APR will change to a 15.99%, 20.99% or 25.99% Variable.

Things to Consider

One of the bigger downsides to Barclaycard CashForward™ World Mastercard® is that there is a relatively high minimum for cashing out your rewards. You will need to earn at least $50 in cash back before you are able to redeem it for a statement credit. There are a lot of cash back cards that start redemptions at $25 or less.

Verdict

Barclaycard CashForward™ World Mastercard® is a solid card for anyone looking for a cash back credit card. Not only does it not have an annual fee, but it’s also makes earning rewards quite simple.

Best Barclaycard Credit Card for Profit-sharing

More Details

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months (on balance transfers made within first 45 days)

Regular APR

13.99% Variable

Benefits

Are you more interested in having a credit card with a low interest rate and less interested in earning rewards? If so, then Barclaycard Ring™ Mastercard® is the perfect card for you. Purchases, balance transfers and cash advances all have a variable 13.99% APR. This is considerably lower than most other cards available.

You will also have few fees with this card, which will make cardholders very happy. There is no annual fee, no balance transfer fee and no foreign transaction fee. The main fee (unless you pay late) is a $3 cash advance fee but considering that most cards charge up to $10, this is a steal.

With Barclaycard Ring™ Mastercard®, you will be given a say in the features that become available with the card. You will also be given a profit and loss statement for Barclaycard Ring™ Mastercard®. Depending on the level of spending you do with your card, you could receive a portion of the profits back every six months.

Things to Consider

Because of its low ongoing APR, Barclaycard Ring™ Mastercard® is great for anyone who needs to carry a balance for an extended period of time.

Verdict

If you are looking for a card with a low APR, then Barclaycard Ring™ Mastercard® is a great option. Plus, even though it doesn’t have rewards on purchases, you do have the chance to earn cash back with its profit-sharing program.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing student credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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