What is the accepted credit score range for most cards?

If you have a good credit score, you're more likely to get a Barclays credit card. Applicants for Barclays credit cards must have a credit score of at least 700 or 750, which means they must have either good or excellent credit.

How many cards can you own?

There is no cap on the number of credit cards from Barclays you may apply for, and you may own as many as you get approved for. You may, however, only have one of each type of credit card at a time.

How many times can you apply?

There is no time limit on the number of applications that may be submitted, and you may apply for as many credit cards as you like. However, applying for more than one card every six to 12 months is not a good idea.

How many times can you get approved?

Barclays Bank usually does not restrict the number of cards you may have active with them at the same time. However, before approving you, the bank will look at your complete credit profile.

How many times can you claim a welcome bonus?

You will get the bonus if you are approved. To obtain the signup bonus on the existing card, you must cancel your current card and wait roughly six months before applying for a new one. Barclays will not allow you to downgrade your current card to a card in the same family to get the bonus.

Barclays Bank Credit Card Reviews, Rules & Opinions

Barclays Bank is a British multinational banking and financial services company. MoneyGeek reviewed credit cards from Barclays Bank to determine if they are a good fit for your credit card needs.

Advertising & Editorial DisclosureLast Updated: 1/24/2023

Reviewed By

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Barclays Bank's financial offerings include savings accounts, CDs and credit cards. The company offers various credit card categories, including balance transfer credit cards, purchase offer credit cards, credit building credit cards and reward credit cards. Each of these credit cards offers unique features that are intended to meet the specific needs and requirements of different customers.

ON THIS PAGE:

Different Card Offerings from Barclays Bank
Rules for Applying, Acceptance & Welcome Bonuses
Other Considerations for Barclays Bank
Overall Opinion of Barclays Bank & Card Offerings

Featured Credit Cards Offered by Barclays Bank

Barclays partners with a variety of travel and lifestyle companies, including JetBlue and Wyndham, to provide credit cards that offer cash back, rewards, entertainment perks and business expenses rewards. The annual fee of its cards range from $0 to $499.

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Other Cards Issued by Barclays Bank

In addition to the featured cards listed above, Barclays Bank also offers the following credit cards:

Diamond Resorts World Mastercard: For those who want to spend their vacations at Diamond Resorts.
AAdvantage Aviator Red World Elite Mastercard: For frequent flyers looking to accumulate miles as well as infrequent flyers who like to plan and save for longer trips.
AAdvantage Aviator Silver World Elite Mastercard: This card is for travelers with the AAdvantage Aviator Red World Elite Mastercard who are eligible to upgrade to silver level. It offers premium perks when flying on American Airlines. You cannot apply for this card.
FRONTIER Airlines World Mastercard: For those who travel within Frontier's network and want more miles, more rewards and more ways to travel with every purchase you make.
JetBlue Plus Card: For JetBlue frequent travelers or those looking to start using the airline.
Carnival World Mastercard: For those who frequently travel with Carnival Cruise Lines.
The AARP Essential Rewards Mastercard from Barclays: For older adults who wish to earn points for everyday purchases such as drug purchases, gas and even medical bills.
Miles & More World Elite Mastercard: For those who often fly to and within Europe and wish to earn points for flight upgrades as well as get a complimentary round-trip companion ticket with Lufthansa once a year.
Upromise Mastercard: For students who want to earn rewards directly toward a 529 college savings account.
Emirates Skywards Premium World Elite Mastercard: For those who fly Emirates frequently and want Emirates lounge perks.
The AARP Travel Rewards Mastercard from Barclays: For AARP members who want to earn strong cash back rewards without paying an annual fee.
Barnes & Noble Mastercard: For book enthusiasts who want to earn cash back when they shop at Barnes & Noble.
Choice Privileges Visa Signature Card: For frequent Choice Hotels guests.
Emirates Skywards Rewards World Elite Mastercard: For those who travel solo and want access to the Emirates Business Lounge in Dubai.
Hawaiian Airlines World Elite Business Mastercard: For those interested in earning Hawaiian Airlines points from their business expenses.
Hawaiian Airlines World Elite Mastercard: For frequent Hawaiian flyers or those accruing miles for a big trip to Hawaii or elsewhere on the airline's route network.
Holland America Line Rewards Visa Card: For those who frequently travel with Holland America.
JetBlue Business Card: For business owners who prefer to fly JetBlue on a frequent basis.
JetBlue Card: For those who fly JetBlue on a regular basis and wish to accrue JetBlue points.
NFL Extra Points Credit Card: For football fans who want to earn points toward NFL tickets and NFL-branded items as well as exclusive discounts and ticket financing.
Priceline VIP Rewards Visa Card: For customers who book most of their trip arrangements via the Priceline website.
Princess Cruises Rewards Visa Card: Best for those who frequently travel with Princess Cruises.
RCI Elite Rewards Mastercard: For those who use RCI to book their vacations frequently.
Wyndham Rewards Earner Business Card: For business owners whose work requires frequent travel and like to lodge in hotels during travel.
Wyndham Rewards Earner Card: For those who enjoy Wyndham hotels and resorts and do not want to pay an annual credit card fee.
Wyndham Rewards Earner Plus Card: For frequent travelers who prefer to stay at Wyndham hotels.

The Best Barclays Bank Credit Cards in 2023

MoneyGeek analyzed the top Barclays Bank credit cards based on rewards, welcome bonuses and other factors to help you select the ideal choice for your requirements.

Mastercard® Titanium Card™
Best rewards credit card for luxury travel/hotel perks
- ExcellentRecommended Credit
- $195Annual Fee
- 1–2 Points per $1*Rewards Rate
- 2xRewards Rate on Air Travel
- 1xRewards Rate on Dining
The Mastercard® Titanium Card™ has decent rewards rates, though nothing terribly impressive: a 2% value for all airfare redemptions (though these generously do not include any blackout dates or seat restrictions) and a 1% value for any cash back redemptions.
What this card is really about are the luxury and travel perks. Sign up for this card, and you’ll benefit from a host of exceptional perks, such as credits for local spas, airport taxi services, assistance through a concierge service and more.
In fact, these benefits are mind-boggling when you consider them all. Baggage delay insurance, ID theft protection, price assurance and other top-tier offerings all make this card an excellent option for frequent flyers who like to be taken care of in style.
Other great features are included (as they ought to be, given the relatively high annual fee), such as a lack of foreign transaction fees and high credit card security.
Pros
No foreign transaction fees
Good APR intro period
Decent redemption rate for airfare rewards
Premium benefits are more than worthwhile

Cons
High annual fee
Requires excellent credit to qualify
2% rewards rate for airfare redemptions, with no seat restrictions or blackout dates
1% rewards rate for cash back redemptions
Standard reward rate of one point per dollar spent
Luxury perks included, such as a concierge service and coverage for baggage delays, trip cancellations and interruptions and rental car collisions
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Mastercard® Titanium Card™

Mastercard® Black Card™
A great travel reward card with no foreign transaction fee and many travel benefits.
- ExcellentRecommended Credit
- $495Annual Fee
- 1.5% Cash BackRewards Rate
- 2xRewards Rate on Air Travel
- 1.5xRewards Rate on Dining
We recommend the Mastercard® Black Card™ to people who don’t mind paying its $495 annual fee to avail premium benefits. This stainless steel/carbon card from the house of Luxury Card gives you 24/7 access to the Luxury Card Concierge service, which you may use to make travel bookings, get tickets to special events and carry out a variety of personal requests.
You stand to receive up to $100 in air travel credit each year, Global Entry/TSA PreCheck application fee credit, access to VIP airport lounges through Priority Pass Select and extensive complimentary travel insurance coverage. Cardholders also get access to Mastercard’s Priceless Surprises, Priceless Golf and Priceless Cities. Using this card outside of the U.S. is perfect because it charges no foreign transaction fees.
The Mastercard® Black Card™ lets you capitalize on your spending by offering one reward point per dollar you spend on purchases. Redeeming your points for airline tickets offers 2% value, whereas you get 1.5% value if you redeem them for cash back.
This card also comes with a 0% intro APR on balance transfers for the first 15 billing cycles, and a competitive standard APR on purchases.
Pros
No foreign transaction fee
0% intro APR offer on balance transfers
Get one point for every dollar spent
No expiration date for the points
$100 airline credit
Travel accident insurance
Trip cancellation insurance

Cons
Very high annual fee
No sign-up bonus
High regular APR
Pay no foreign transaction fees
Get up to $250,000 travel accident insurance
Transfer balance from another card at 0% intro APR
Get $100 in airline credit
Get other travel benefits worth $500
Get up to $100 per day in baggage delay insurance
Get up to $5,000 in trip cancellation insurance
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Mastercard® Black Card™

Mastercard® Gold Card™
A great card for people who’re looking at premium benefits
- ExcellentRecommended Credit
- $995Annual Fee
- 2% Cash BackRewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate on Dining
We recommend the Mastercard® Gold Card™ to frequent travelers who don’t mind paying a $995 annual fee in return of a host of features and benefits. Made using a 24K gold-plated stainless steel front and a carbon back, this card spells luxury from the word go.
All cardholders get up to $200 in annual air travel credit, Global Entry/ TSA PreCheck application credit, VIP airport lounge access, access to the Luxury Card Travel program as well as access to Luxury Card Experiences.
Using this card outside of the U.S. makes sense as it comes with no foreign truncation fees. Other benefits include cellular telephone protection, travel accident and baggage delay cover, Mastercard ID theft protection, $0 fraud liability protection as well as enhanced trip cancellation and trip interruption insurance.
Pros
Annual air travel credit of up to $200
Global Entry/ TSA PreCheck fee credit
One reward point per dollar spent on purchases
Redeem reward points to book airline tickets
Redeem reward points as cash back or statement credit
No foreign transaction fees
VIP airport lounge access
24/7 travel assistance services
Travel insurance coverage

Cons
Steep annual fee
Cash advance and balance transfer fees
$995 annual fee
Patented 24K-gold-plated stainless steel front
Access to Luxury Card Concierge, Luxury Card Travel and Luxury Card Experiences
One reward point per dollar spent on purchases
Redeem reward points for flight tickets, as cash back or as a statement credit
VIP airport lounge access with Priority Pass Select
Airline credits of up to $200 each year
Airport meet & assist
No foreign transaction fees
Travel insurance coverage
Mobile phone protection
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

Rules for Applying, Acceptance & Welcome Bonuses

Understanding the rules that impact your probability of eligibility for welcome bonuses is critical when applying for Barclays credit cards. It also increases your chances of approval. MoneyGeek answers some frequently asked questions to help you get approved.

Other Considerations About Barclays Bank

When searching for the best credit card, keep the following points in mind to help you make a decision.

Feature
Description
Customer Service & Satisfaction
Customer service and the customer satisfaction rate is an important factor to consider when shopping for a credit card provider. Barclays Bank provides a 24/7 call support service to their customers.
According to J.D Power 2021 U.S. online credit card satisfaction study, Barclays Bank scored 827 out of 1,000.
Mobile Apps & Online Services
Barclays Bank is a strictly online financial service with mobile applications on Google Play and the Apple Store. Users can use the mobile app to provide self-service.
Cardholders can make payments, review statements and transfer funds between accounts via Barclays' online banking services, while the mobile app allows them to check balances, freeze cards, earn rewards and transfer funds.
Barclays Bank scored an 862 out of 1,000 rating in the J.D Power 2021 U.S. credit card mobile app satisfaction study.
User ratings on both Google Play and Apple App Store are high at 4.6 and 4.8, respectively.
Security & Credit Monitoring Services
To safeguard the customer's personal information and account details, SSL technology is used in tandem with firewalls and other technologies to encrypt data. Barclays also included monitoring devices to prevent unauthorized usage. It features an automatic logout option in the mobile app after prolonged inactivity.
Barclays Bank will automatically disable your access to Online Banking if three incorrect log-in attempts are made. This is to stop fraudsters from making repeated attempts to get into your accounts.
Loyalty Programs & Other Issuer Perks
When you shop at a participating retailer such as Iceland and Wasabi using a loyalty card, you will receive points. Your loyalty cards may be linked to the Barclays app so that you don't have to carry them everywhere.
By using your Barclays payment card or contactless mobile to make a purchase at a participating merchant, you will immediately accrue loyalty points and benefits. Using your app, you'll always be able to keep track of your rewards and use them at participating merchants.
Authorized Users
You can add a new cardholder to your account using Barclaycard online service. Log in or sign up for Barclaycard online service. Once signed in, go to 'Account Services' in the top menu and choose 'View & Add Cardholders.' The second cardholder must be a close family member who lives at your address and is subject to the terms and conditions of your Barclay credit card.
Purchase Protection
Barclays no longer provides purchase protection on its credit cards, having removed the feature from its cards in November 2019.
Co-Branding & Partnerships
Barclays Bank Co-branding and Partnerships with several companies including
- JetBlue
- American Airlines
- Wyndham
- Princess Cruise
- Priceline
- Hawaiian Airlines
- Emirates Skywards
- Barnes and Noble
- Miles and More
- NFL
- Holland America Line
And many more.
Other Products Offered
Barclays Bank is an online financial service company that offers bank services. It is a universal bank with operations in investment banking, as well as wealth management, mortgage lending, loans service, savings, insurance and CD deposit accounts.

Overall Opinion of Barclays Bank & Their Credit Card Offerings

Barclays offers a wide range of credit cards to suit your needs. From cash back rewards to points to travel rewards, they have a program for you. Barclays also has a few different reward systems that make their credit cards attractive. Like other companies, their rewards are not limited to just one specific card. Most customers who desire an online bank account with attractive interest rates and no monthly fees should find Barclays Bank appealing. It could be a good match for you if you:

Want to earn rewards from your credit cards
Most of the credit cards issued by Barclays Bank offer users points that can be redeemed. For instance, AAdvantage Aviator credit card users earn 60,000 American Airlines AAdvantage bonus miles.
Do not want to visit a branch
As an online financial service provider, Barclays’ easiest account creation method or access to your accounts is through the bank's website or mobile application. Barclays' co-branded partners may provide paper applications or links to online applications for prospective customers to access.

EXPERT OPINION

"Barclays partners with many popular travel and lifestyle brands that include valuable perks and the ability to earn attractive rewards for your spending. For example, its partnership with American Airlines allows travelers to earn miles on your purchases and receive benefits from both Barclays and Citibank when you have AAdvantage cards from each issuer."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

Even though Barclays Bank offers a wide range of credit cards, you may be unclear whether the provider is ideal for you. If you have a bad credit score, you may want to look into alternative providers.

Learn More About Credit Cards in General

sources

Barclays Bank. "24-Hours Protection." Accessed January 11, 2022.
Barclays Bank. "Contact Us." Accessed January 11, 2022.
Barclays Bank. "Find a Product That Fits Your Life." Accessed January 11, 2022.
Barclays Bank. "Find the Card That Fits Your Life." Accessed January 11, 2022.
Barclays Bank. "How do I add or remove a cardholder from my Barclaycard account?." Accessed January 11, 2022.
Barclays Bank. "How does Barclays purchase protection work?." Accessed January 11, 2022.
Barclays Bank. "Loyalty Cards." Accessed January 11, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.