Barclaycard Rewards MasterCard®

Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 44 Offer Ratings
Over the Past 60 Days!

(44) Over the Past 60 Days!

  • Regular Purchase APR

    25.24%* Variable

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Annual Fees

    $0

  • Credit Needed

    Fair

Highlights

  • Click "APPLY NOW" to apply online
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • 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 limit on the number of points you can earn or redeem
  • 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

Card Fees

Late Payment Fees Up to $37

Foreign Transaction Fee 3% of each transaction in U.S. dollars

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee Up to $37

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap No cap

Rewards Rate 2X cash back on gas, groceries and utilities; 1X cash back on all other purchases

Annual Fee $0

Grace Period 23 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the CompareCards.com Editorial Team

You only need average credit to qualify for the Barclaycard Rewards MasterCard, although it still has a great rewards rate including no annual fee. Cardmembers will earn one point per dollar on all purchases, plus double points (two per dollar) on items you already buy; gas, groceries, and utility purchases. 

Reward points can easily be redeemed for credit to pay for anything you want, including retail shopping, restaurant dining, and travel on virtually any airline. Better yet, there are no redemption charges, there is no limit on how many points you can earn, and there are no blackout dates to limit your travel reservations.

Since this rewards card is available to consumers who don't have great credit, the ongoing APR is pretty high with 25.24% Variable. So we would recommend that you pay you balance in full each month to avoid interest charges. 

Expert Reviews of the Barclaycard Rewards MasterCard®

  • 2.0

    Regular APR

  • Intro APR

  • 3.0

    Fees

  • 4.0

    Benefits

  • star rating 3.0/5

    Overall Rating

The Bottom Line

This card requires only average credit -not excellent- but it also gives cardholders easy ways to earn rewards points and redeem them without annoying limitations and restrictions.

The Good

The rewards rate is really great, especially for someone with average credit. Cardmembers earn 2 points for purchases you already make, there's no annual fee.

The Not so Good

With an ongoing APR of 25.24% Variable, this card isn't for people who tend to carry a balance. There's also a 3% foreign transaction fee, so we don't recommend using this card overseas.

Editorial Note: This content is not provided by Barclaycard. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Barclaycard.

Consumer Reviews

  • star rating mask

Offer Rating

3.1/5.0

44 Total Ratings

5 Star
 
 
(6)
4 Star
 
 
(8)
3 Star
 
 
(19)
2 Star
 
 
(7)
1 Star
 
 
(4)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+36 users submitted a rating without a full review

Sort by:

5 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Jul 28, 2015

I apply to this card about 2 months ago and was denied. Since then I clean some discrepancies that I had on my credit. I saw a big increase to my score and kept seeing barclaycard as recommended with good chance of getting approved. My score is correctly TU 655 and I decided to call instead of applying online. I have a repo and a cap one card charge off. I was very polite and explain my goals. He was very friendly and he ask me some questions to verify my income. After that he approved me for a CL of $500.00. I am so happy that finally I have a decent card. So if you have some negative marks still you can get approved. Just call and explain your goals and why, it will be totally worth it.

14 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Dec 9, 2014

This card does approve an average score but do not approve you if you have any past due old negatives. I was denied for a 6 yr old collection. Told me not to apply until I paid it off. They fall off after 7 yrs.

1 Reply

By: Ricardo Jimenez | Dec 15, 2014

Jene, If you have collections it's normal to get denied for more credit card, my advice to you is to continuing paying all your bills on time and apply again.

11 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 8, 2014

This is an awesome credit card! Great for someone (like me) trying to build credit and their credit score. Higher interest and lower limites, but they take more risk than other card companies.

24 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 7, 2014

Anybody that is trying to raise their credit score should check into this card. It does have an extremely high interest rate, but when you have average credit you have to expect that. After awhile if you make your payments on time I'm sure they will consider raising your credit limit, lowering your interest rate, or maybe even both. If they refuse to help you out if you have been good about paying on time and not going over your limit I would look into a different card. I love that they give you your FICO Credit Score for free! Finding a good credit card when you don't have perfect credit can be very difficult. This one even gives you rewards while helping you rebuild your credit!

6 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 7, 2014

customer servive is awesome ..waiting for a reply on my app

6 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 7, 2014

This card is very reasonable. The application was easy and fast. I had 0 present interest rate for one year and have had no problems with it. The bill is sent by mail and also can get it online. Easy to check your balance. When my first year is up with them I will glad stay on.

14 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Oct 7, 2014

I have used quite a few credit cards in my time, so When I wanted to get a new macbook, I decided to finance through Apple's credit plan. I was presented with this card as this is the bank Apple is working with. All in all, this is the most average and mundane card I have ever owned, and I have had student credit cards in the past. It is bare bones, with a criminal APR. Luckily by financing through apple, I had 0% APR for the first nine months and paid off quickly. I can only imagine how bad monthly fees could be with 24.99 APR. Perhaps Barclays has better cards for customers, and I hope they do. This card does not make a customer feel special and really, it offers no prestigious rewards for holding it. I have not experienced many of Barclay's products, but I can only imagine that they have better offerings than this card.

9 Found this review helpful

  • star
  • star
  • star
  • star
  • star

By: | Sep 22, 2014

I have the US Air rewards card issued by Barclay's. Did balance transfers and they increased my limit $4,000 to do it. Very happy with the card. And you get 2 companion passes for $99 each once a year.