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Offered by: Barclaycard

Barclaycard® Rewards MasterCard®

The Barclaycard® Rewards MasterCard® brings simplicity to your credit card options. Cardholders earn points that can be used like cash with no annual fees or blackout dates.

  • 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.

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
662
Typical Low: 589
Typical High: 727
   

N/A

24.99%*

N/A

24.99%*

 

Variable

 

Variable

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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$0

Late Fee

Up to $37

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$511

$511

$511

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$511

$511

$511

Total Savings over 3 Years

$1,532

Credit Card Usage Profile

Transfer a Balance
Edit
  • 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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 16,779
Data Created: February 02, 2015



581 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

Pending status and called recon line Helpful to 1 out of 1 people

CK said had fair chance, but I agree with other reviewers definitely don't live and die by those recommendations. I applied for an American Express prior that stated Very Good and was straight away denied. Anyway, applied for the easy 30 second response and was given the dreaded pending status. Thanks to the other reviews on here I knew to try the reconsideration line and speak to a live person instead of letting a computer make the decision. I spoke to helpful agent who went through history and asked thoughtful questions about why there were late payments or issues back in 2008 and gave me credit for pulling things together in 2012. After explaining my situation and my goals of improving my credit in hopes of buying a home my pending status went from maybe to CL of $1K. It's a good start and will allow me to close a lower limit credit card that has crazy fees in comparison to this card with no annual. 

My CK score is 663. Exp 657.

Mar 03, 2015
No Better Card in This Score Range Helpful to 3 out of 3 people

I have had this card since late 2013. My score was in the lower 600s when I received an offer in the mail, applied online and subsequently received an instant approval.

In this credit score range, it is difficult to find a card with no annual fee, let alone one that offers rewards. There is no card with better terms for people in this range. 

I really like their mobile app and their customer service was decent enough the one time I had to call them. No, their call center is not domestic, but I did not wait long to speak to someone and they were easy enough to understand. 

The one issue I have with this card is not being able to make payments until a balace shows on your actual statement,..... Since you get double points for fuel purchases I planned to use this card to purchase all my gas. I tried making a purchase and then getting in my car and paying it off using the mobile app. However, I get a message stating that I cannot schedule a payment for more than my current statement balance. This is not a huge deal, I just have to wait a few days to make the payment. But it would be more convenient if I could make a gas purchase and then pay for it immediately. Othen than that, this card has more than met my expectations and with no annual fee,... I plan to keep this card for a very long time. 

BigDaddyTan's response was:    

 
Mar 03, 2015

BigDaddyTan(1, 3)

Poor service and high rates Helpful to 3 out of 5 people

Easy to apply and get. Dont,  wait for Capital One or better bank card.

I would not recommed to anyone

bjerskov's response was:    

 
Mar 02, 2015

bjerskov(2, 3)

Approved for card Helpful to 7 out of 10 people

So I was approved for card. Ck said approval odds good:) It was correct! Tu 605, equ 602, exp 600. 

momrnurse's response was:    

 
Feb 28, 2015

momrnurse(1, 7)

What is up with that???? Helpful to 0 out of 1 people

I tried applying for the card, in the application process I go to put in my address info.  It says it is not available in PR, US Territories and IOWA....Why is it not available in Iowa????

Feb 27, 2015

See all 581 Reviews of Barclaycard® Rewards MasterCard®

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2014 through February 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.