Barclaycard Rewards MasterCard® Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Barclaycard Rewards MasterCard®. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesBonus categoriesQualify with fair creditSpending caps on rewardsNo rewards bonusNo intro APR on purchasesNo intro APR on balance transfers
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Barclaycard Rewards MasterCard® may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 866-928-8598, Ext.
Barclaycard Rewards MasterCard® has a rating of 4.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Barclaycard Rewards MasterCard®'s terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Barclaycard Rewards MasterCard® earned a score of 5.0/5 for Fees, 5.0/5 for Rewards, 4.9/5 for Cost, and 3.2/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.2/5
1,774 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
5.0
Cost
4.9
Other Features
5.0
4.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Fair Credit
Annual Fee
$0
APR on Purchases
25.24% (V)
Balance Transfer
APR: 25.24% (V)
Balance Transfer Fee:3% (min $5)
Rewards
2X points on gas, utility and eligible grocery store purchases
1X points on all other purchases
Points don't expire as long as account is open, active and in good standing
Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
No limits on the number of points you can earn or redeem
Barclaycard Rewards MasterCard®'s Additional Info
Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Can't find what you are looking for? Submit your question about Barclaycard Rewards MasterCard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can redeem your Barclaycard Rewards MasterCard® points by logging in to your online account, either on the Barclays website or your mobile app. Alternatively, you can redeem your card's points by calling customer service at (877) 523-0478. Redemptions start at 1,000 points for $10.
How to Redeem Your Barclaycard Rewards MasterCard® Points Online
Choose between redeeming your points for cash back statement credits, gift cards/certificates, or merchandise.
Points are generally worth more when redeemed for cash back statement credits or gift cards. Statement credits are generally posted to your account within 2 business days, while gift cards and merchandise may take up to several weeks to be delivered to your address.
Keep in mind that statement credits reduce your account balance, but they will not be applied to any minimum payment required.
Barclaycard Rewards MasterCard® approval odds used to be high for applicants with at least fair credit. But this card is no longer available to new applicants. However, there are many other rewards credit cards for people with fair credit to choose from.
A good option to consider is the Citi Double Cash® Card. This card offers 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.
A Barclaycard Rewards Mastercard approval is often issued instantly if you apply online. But there are times when they need a bit longer to access the required information and make a decision (up to 30 days).
While some applicants may be approved instantly because they match the exact criteria that Barclays is looking for, not being approved right away doesn't mean that you won't ultimately get approved once your application is reviewed in more...
The Barclaycard Rewards MasterCard® foreign transaction fee is 3%. The fee applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
If you'd rather avoid this surcharge, check out our editors' latest picks for the best no foreign fee credit cards on the market to weigh your options.
You can transfer up to the amount of your spending limit, after factoring in transfer fees and any unpaid balance on the card that you're transferring to. In other words, it depends on how much available credit you have. Hope that helps!
Share your insights and review for the Barclaycard Rewards MasterCard®
5
13%
4
29%
3
34%
2
17%
1
7%
3.2
1,774 reviews
1,774 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
WalletHub @WalletHub
Report Abuse
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/
Comment
16
29
Sarah Whitney @sarahw92
I can't believe this review. This is the worst card for people with bad credit. Barclay's billing practices are questionable and could send your credit rating even further down.
show more
show less
Comment
24
0
joeigolf @joeigolf
That 3.8 should be a 1.8 they have the worst customer service dept. The representative lie to you and even the managers lie to you do yourself a favor don't deal with this bank
show more
show less
Comment
10
0
rickbarbarossa @rickbarbarossa
@sarahw92 Barclay's is screwing me.
show more
show less
Comment
3
0
Sandra Sue S @ssssandrasue
I have no interest in using or doing business with the international company’s. I will stick with the US$$$.
show more
show less
Comment
0
0
Kyle Ta @kyle2722
Report Abuse
3 Star Rating
When you have an issue, it is a bit challenging to get someone on the phone. After 30 minutes of trying, I spoke to someone who finally took care of the issue, but it was nothing like dealing with American Express customer service.
show more
show less
Comment
0
0
Henry @henryj_37
Report Abuse
3 Star Rating
Verified Customer
This card is nice but my credit limit is never reviewed for an increase. Low limit makes it difficult to get value out of this card.
show more
show less
Comment
0
0
Michael @michaelc_880
Report Abuse
2 Star Rating
Verified Customer
Interest rate for carried balance is to high !! Would be much better if rate was lower, which would allow us to use card for equipment purchases for resale.
show more
show less
Comment
0
0
SandraSue S @ssssandrasue
Report Abuse
2 Star Rating
Verified Customer
I’ve use this business a couple times and they say they don’t get your payments and then you owe them extra money on interest so both times I’ve had to write two checks so I don’t have late payments and then they have to turn around and send me a check, poor business
show more
show less
Comment
1
0
Sandra Sue S @ssssandrasue
Also, I did say I overpaid because they do not have the staff to post payments on time. Therefore I had to send another payment. The first time this happened to me about them not receiving my payment… on my credit report I was punished .. showing I’m not responsible paying my bills. Than the credit report employees are incompetent & say “Oh you want to dispute this” lol, both companies take you on a carousal ride! It’s almost like they want everyone to be a deadbeat debt person! “Where are our leaders”! “Credit card” usage is not what it use to be! Because of the other comments I will not use this credit card. Thank you all for your honesty!
show more
show less
Comment
0
0
Daniel @danharr77
Report Abuse
5 Star Rating
Verified Customer
Good card can use it anywhere. The website is great easy to use for payment information,billing and account history. If you use it to buy clothes from Old Navy you get a discount.
show more
show less
Comment
0
0
Pamela W @pamelabr21
Report Abuse
2 Star Rating
They give good increases, HOWEVER, they do not apply payments correctly and when you call to have it fixed you can barely talk to a rep who is in the USA, then when you do get a rep instead of fixing the issue they tell you to look at your statement. Like obviously I DID THAT WHICH IS WHY IT NEEDS CORRECTED!! You are unable to speak to the A/R dept!!
show more
show less
Comment
1
1
Joseph G @josephngreene135
Report Abuse
5 Star Rating
Verified Customer
So you have to make a payment on your account for a new account to get the credit cards you want and you will be charged with a new one
show more
show less
Comment
0
0
Tangela @tangelak
Report Abuse
5 Star Rating
Verified Customer
The interest rate is high on this card however they do run promotions every so often for lowered interest rates. I get $25 Apple Cards when I spend $2500 wish it was just a card I could use anywhere.
show more
show less
Comment
0
0
dandjbebay @dandjbebay
Report Abuse
1 Star Rating
I mailed them a payoff check on 2/25/21 that I got by refinancing my house. I sent it certified mail so that I could track when it got there.
It was delivered to their mailbox on 3/3/21. I waited until 3/5/21 before calling them. It still hadn't been picked up.
I asked the 1st person and a supervisor if they would please pick up the check and process it before my due date of 3/8/21. They both quoted me that their mailed payment process takes 7-10 business days and it wouldn't be processed until 3/11/21. They said they wouldn't refund or do anything about the late fee that would be incurred, even though the payoff was sitting in their mailbox for 2 days already and would be there for 5 business days before they processed it.
I had to make an extra payment online and now I will have a couple extra hundred dollars paid on my account when they process the check. I'll have to find out how to get that money back. I will be closing my account as soon as I can.
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Barclaycard Rewards MasterCard® and Petal® 2 Visa® Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Related Credit Card Categories
Barclaycard Rewards MasterCard® is related to the following categories: