Updated: July 26, 2024
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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.
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.
| Credit Card | MoneyGeek Rating | About | Rewards | Annual Fee | Credit |
|---|---|---|---|---|---|
| A great travel reward card with no foreign transaction fee and many travel benefits (for a price) | Earn 1X points on everything (worth 1.5% cash back) Earn 1 point per dollar on every purchase (2% bonus for cash back redemptions, 2% bonus for airfare redemptions) | $495 ($195 for each Authorized User added to the account) | 740-850 (Excellent) | ||
| A great card for people who’re looking at premium benefits | 1 point per dollar Earn 1 point per dollar on every purchase (2% bonus for cash back redemptions, 2% bonus for airfare redemptions) | $995 | 740 – 850 (Excellent) | ||
| Best rewards credit card for luxury travel/hotel perks | Earn 1X - 2% Earn 1 point per dollar on every purchase (1% value for cash back redemptions, 2% value for airfare redemptions) | $195 | 740-850 (Excellent) |
In addition to the featured cards listed above, Barclays Bank also offers the following credit cards:
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.
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.
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.
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.
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.
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.
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.
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
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. |
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.
"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
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.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
