Barclays Rewards Credit Card - Excellent Credit
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: MasterCard
Points
| Initial Bonus 5,000 points |
Base Earn 1 point/$1 |
Max Earn 2 points/$1 |
Earn / Redeem Limit No |
- Earn 5,000 Bonus points after your first purchase - enough for $50 cash back.
- Earn 2 points per $1 on gas, grocery and utility purchases.
- Earn 1 point per $1 everywhere else
- Redeem for flights, shopping, dining and more.
- Use your points like cash to pay for any purchase you've made.
| Intro Rate 0% |
Intro Period 12 months |
Regular Rate 14.99% - 24.99% (V) |
| Intro Rate0% | Intro Period12 months | Regular Rate14.99% - 24.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 5% (min $10) |
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 27.24% (V)
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
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The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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I've had this card for about a year and a half. It's my main card and I really like it. One of the best things about it is that is a no annual fee card which is great. I also really like the rewards and they are pretty easy to accumulate. I get a double bonus on gas purchases as well as grocery purchases which are two of my biggest expenses each month. The points are easy to redeem on their website - it tells you on the main page how many points you have and from there you just go to the "redeem rewards" area and apply the points towards your prior purchases. It's nice because it acts as a cash-back reward rather than the rewards programs I don't like which lock you into some overpriced merchandise that you probably don't even want. Barclay also upped my credit limit after I had the card a year w/o me even having to ask which was great. I haven't had any reason to contact their customer service so I don't really have any experience with that.
January 11, 2013 at 09:43pm
My name's Jay. I've owned this card for over a year. It's easily the best credit card in my possession. I used purchased an ipad and received points. I used those points on necessary stuff like groceries. The 0 percent interest rate on balances and transfers is really useful as well. Customer service is top notch as well. Representatives are eager to assist me with any questions about the card. There's practically no waiting on hold. Customer service representatives respond quickly via email as well. The responses are detailed and answer my question. I'm glad I filled out the application and love this credit card.
January 8, 2013 at 06:25pm
I’ve had the Barclay Rewards Card for just over two years now. When I opened the card, it was to get financing on a new laptop for school. The service with the company has been fair and the rewards aren’t as great as other cards out there. The rates are fairly competitive, but a bit on the high side. I’ve had one disputed fraudulent transaction on this card which was never resolved. I will say that their online banking system and bill pay has been one of the most well organized and easiest to use out of all of my online accounts. I hesitate to use this card often, as there are much better options in terms of rewards out there with much better rates.
November 23, 2012 at 09:11pm
I most recently used the Barclay card to pay for a large purchase that I could not pay for up front. They allowed for no interest for up to a full year. It was easy to pay the sum down in a year, so the card was very good for that purpose. I have had no troubles out of the company and have spoken to them on the phone a few times. They have been very helpful. I would recommend the card as long as you don’t plan to finance something long term on it. Otherwise, I have had no issues.
November 8, 2012 at 06:21pm
I have had a Barclay's card for over a year, and I use it to book flights to and from Washington D.C. I have never had any issues with the Card company and would suggest Barclay to anyone looking for a good rewards credit card. Their online account service is very easy to use, and lets me set up recurring payments, one time payments, and many other options. I am completely satisfied with this card, and I am sure I will keep it for many years to come. Not to mention I like the card style. That white background with the blue swoosh thing in the lower left of the card reminds me of a wave crashing on a beach every time I use it.
November 1, 2012 at 02:59pm
I am trying to rebuild my credit and Barclay gave me that chance. I enjoy the rewards program. Every few months they have increased my credit limit. From 500 to 2000 within a year. I enjoy having this card and I am on my way to rebuilding my credit score to where it was years ago. I would suggest this card for anyone who is trying to build or rebuild their credit. No annual fees are great. That is what separates this card from all the others. Many other cards will charge outrageous annual fees to people who want to rebuild their credit. This card is the best.
August 6, 2012 at 04:43pm
I use the Barclay's Credit Reward Card. It used to be the Futuretrust card, which I really liked because it would put money into a 520 College Savings Plan for my sons. They got rid of that program and gave me this thing. I'm not very happy with it. The APR doesn't bother me because I pay it off at the end of every month, but they have changed my limit (both up and down) without warning me ahead of time. That is really not cool because I use it for making automatic payments for things like my cell phone bill and my Netflix and such.
June 14, 2012 at 09:48pm