Offered by: Barclaycard
Apply by phone: 1-866-584-5963

Barclaycard® Rewards MasterCard® - Average Credit

  • 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.
658 Average Credit Score Approved for this Card
595 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR









Additional Details
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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

4%, Min: $10

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of This Card

Barclaycard® Rewards MasterCard® - Average Credit Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

351 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Stay Away Helpful to 8 out of 8 people

Barclays is an evil company. One missed payment they will jack the interest rate on you, hope you like a nice round 30%.  Think you have all that room on your credit line? think again they  will take it away overnight, charge you an interest charge then sock you for an overlimit fee.  Stay away from Barclay, or thier rebranded Juniper.  You have been warned

BeenThereDoneThatDontFallForIt's response was:    

  Apr 18, 2014

BeenThereDoneThatDontFallForIt(1, 8)

Review by BeenThereDoneThatDontFallForIt

1 Contributions 8 People Helped

THINK TWICE BEFORE APPLYING -DENIED @664 Helpful to 10 out of 10 people

Applied today & denied. Currently Two Cap 1 Cards and payments made in full 2x a month...never late. Income over $60k and CK 664. Credit Karma indicated very good odds of being approved. Trying to rebuild. Wanted to make sure to post this so that someone else doesn't have to take a hit on their report.

Sunday8's response was:    

  Apr 18, 2014

Sunday8(2, 15)

Review by Sunday8

2 Contributions 15 People Helped

Just Applied Helpful to 1 out of 1 people

Just Applied and with 638tu score  given 1500 , After 9 months dischaged Bkrucy..

shilohbaird's response was:    

  Apr 17, 2014

shilohbaird(1, 1)

Review by shilohbaird

1 Contributions 1 People Helped

THANK YOU BARCLAY CARD! Helpful to 12 out of 12 people

I applied for and received the Barclay Card for average credit after receiving an offer through Credit Karma. That was 6 months ago.  I initially received a 1000 credit limit.  I have paid very high payments every month.  The rewards are GREAT!  Do  not buy anything without checking Barclay Rewards, first.  Most places are on their list, and you get Way More Points if you link to the store site through Barclay.  For instance, I just got 6 points per dollar at 1-800-Pet-Meds.  With the coupons offered by the store and Barclay, I saved over $30 on my order.

I logged into Barclay to link to the pet supply site, and found they increased my credit line to $2700.  I could not be happier!  I needed the boost, I do not get a signigicant pay day until June, as I am self-employed.  This is amazing, it just saved me a ton of worry over the next couple of months!

I had only 10% credit utiliztion at the time of applying for this card. They do random credit checks, so don't apply for ANY more cards after you receive this one, or they could cancel your account ( based on other member reviews ).  You will receive a credit line increase if you make signigicant payments during your promo period. I thought it would be at least a month before I received any credit limit increase.

I look forward to doing business with Barclay in the future, and I look forward to them lowering my interest after I prove I can make large payments over the next few months.  This boost will put me into the Prime Credit category, and I am happy to be here. I have sacrificed all personal wants / needs for over 4 years to improve my credit. It is nice that it is finally paying off in rewards to me:)

Best of Luck, and make sure to pay large payments on time to establish a wonderful working relationship with this lender. You will not be disappointed!

jerrygarciaband's response was:    

  Apr 13, 2014

jerrygarciaband(3, 20)

Review by jerrygarciaband

3 Contributions 20 People Helped

like this card Helpful to 4 out of 4 people

I love the points back and I feel the only negative thing is the option to redeem...there are barely things to redeem for but using it for a statement credit is nice. Overall I won't complain because I use it for groceries and gas and it gives back the most points on those two items...i got approved for a 1300 limit about three months ago with a 730 score. 

cecehollis's response was:    

  Apr 12, 2014

cecehollis(4, 10)

Review by cecehollis

4 Contributions 10 People Helped

See all 351 Reviews of Barclaycard® Rewards MasterCard® - Average Credit

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.