Barclaycard® Rewards MasterCard®-Average Credit

Overall Rating

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Intro APR: N/A
Regular APR: 24.99%* (Variable)
Ongoing Balance Transfer: 24.99%* (Variable)
Annual Fee: $0
Credit Needed: Average Credit

Highlights

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Details from the CompareCards.com Editorial Team

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.

The APR for cash advances is 24.99% and the fee for foreign transactions is 3%, but that's no more than what most card companies charge these days. Take notice though, this card is not for those who are not on-time with their payments every month; the penalty APR is 27.24%.

Expert Reviews of the Barclaycard® Rewards MasterCard®-Average Credit

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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 and you earn 2,500 bonus points just for initially using the card.

The Not so Good

This card has a cash advance surcharge is higher than it is with most cards and there's also a 3% foreign transaction fee. That’s not unusual, but it could impact consumers planning to do lots of overseas spending.

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.

Overall Rating

4.3

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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.

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