Credit cards can be a great way to build credit, make purchases and earn rewards. But the market is saturated with so many different options that it can be hard to know which one is right for you. Barclays Credit Card offers a wide range of features, so let’s take a closer look at what they have to offer. In this Barclays Credit Card review, we’ll cover everything from its rewards program to its fees and more. Read on to find out if this card is right for you.
Types of Barclays Credit Cards
There are four main types of Barclays credit cards: cash back, travel, business, and balance transfer. Each type of card offers different benefits and features.
Cash back Barclays credit cards earn you rewards for every purchase you make. The more you spend, the more cash back you earn. Travel Barclays credit cards offer perks such as free travel insurance, priority boarding, and hotel discounts. Business Barclays credit cards come with added benefits like free employee cards and expense tracking tools. Balance transfer Barclays credit cards offer a 0% introductory APR on balance transfers for a set period of time.
Pros and Cons of Barclays Credit Cards
If you’re considering a Barclays credit card, it’s important to weigh the pros and cons before making a decision. Here are some of the key points to consider:
-Barclays offers a variety of credit cards with different rewards programs, so you can choose the one that best fits your needs.
-Their credit cards come with no annual fee, which can save you money in the long run.
-Barclays also offers a 0% intro APR on balance transfers and purchases for the first 15 months (then 14.99% – 24.99% variable), which can help you save on interest charges if you need to carry a balance.
-Some of Barclays’ credit cards have high interest rates, so it’s important to pay your balance in full each month to avoid costly finance charges.
-Barclays has been known to change the terms and conditions of their credit cards without much notice, so be sure to read the fine print carefully before signing up for one of their cards.
Best Barclays Credit Card for You
If you’re looking for a Barclays credit card, there are a few things you’ll want to consider before applying. Here are a few of our top picks for the best Barclays credit card for you, based on your spending habits and needs.
The first thing you’ll want to think about is what type of rewards you’re looking for. If you spend a lot on travel, then the Barclaycard Arrival Plus World Elite Mastercard might be the best option for you. This card offers 2x points on all travel and dining purchases, and 1x points on all other purchases. You can also redeem your points for travel statement credits, making it easy to save on your next trip.
If you’re looking for a more general rewards credit card, the Barclaycard CashForward World Mastercard could be a good option for you. This card offers 1.5% cash back on all purchases, with no limits or categories to keep track of. You can also get a $100 cash back bonus after spending $500 in the first 90 days of account opening.
Finally, if you have excellent credit, you may want to consider the Barclaycard Platinum Prestige Mastercard. This card comes with a host of perks like lounge access at airports worldwide, concierge service, and no foreign transaction fees. There is also an introductory APR offer of 0% for 18 months on balance transfers (with a 3% balance transfer fee), which can help you save money on existing debt.
No matter what type of rewards you’re looking for, there’s likely a Barclays credit card that can fit your needs. Be sure to compare cards and read the fine print before applying to make sure you get the best deal possible.
How to Apply for a Barclays Credit Card
“If you’re interested in applying for a Barclays credit card, there are a few things you’ll need to do. First, make sure you meet the eligibility requirements. To be eligible for a Barclays credit card, you must be a U.S. citizen or permanent resident, 18 years of age or older, and have a valid Social Security number.
Once you’ve confirmed that you’re eligible, it’s time to begin the application process. The first step is to gather the necessary information. You’ll need to provide your name, contact information, date of birth, and Social Security number. You’ll also need to select the type of credit card you’re interested in – either a personal or business credit card.
Once you have all of the required information, you can begin the online application process by visiting the Barclays website. The application should take about 10-15 minutes to complete. During the application process, you’ll be asked questions about your financial history and current financial situation. Be honest when answering these questions, as this will help Barclays determine if you’re a good candidate for a credit card and what type of credit limit you may be approved for.
Once you’ve submitted your application, it will take Barclay’s approximately 7-10 business days to review your information and make a decision on your application. If your application is approved, you should receive your new credit card in the mail within 2-3 weeks.”
-What are the benefits of a Barclays credit card?
-How can I use my Barclays credit card to earn rewards?
-What are the interest rates and fees associated with a Barclays credit card?
-How can I make a payment on my Barclays credit card?
-What is the customer service number for Barclays credit cards?
If you’re considering signing up for a Barclays credit card, you may have some questions about what the product entails. Here are answers to some frequently asked questions about Barclays credit cards.
Benefits of a Barclays Credit Card:
With a Barclaycard, you’ll enjoy plenty of perks and bonuses. For starters, you can take advantage of exclusive deals and offers. You’ll also earn rewards points every time you use your card, which can be redeemed for cash back, merchandise, or travel. Plus, there’s no annual fee.
Interest Rates and Fees:
Barclays offers competitive interest rates and fees on their credit cards. Annual Percentage Rates (APRs) start at 17.24%, and go up to 25.24%. Balance transfer APRs are slightly higher, starting at 18.49%. Cash advance APRs are 24.49%. There is also a 3% foreign transaction fee when you use your card abroad.
You can easily make payments on your Barclaycard online, by phone, or by mail. To pay online, simply log in to your account and select the ‘Payment’ tab.