Barclaycard Reviews
Jan 17, 2017
Got no Cred with 712 score
1 Contributions 0 People Helped

Maybe there is a preapproval process. IDK. They reported to me a credit score 72 points lower than what is on my credit report. Just explore your options....

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Dec 28, 2016
Random service for excellent customers
4 Contributions 3 People Helped

Balance tranfer offers are subject to how they feel on a given day despite having a 840 FICO and nearly four years of perfect payments with them. They don't even have the decentcy of sending you a letter or caling.

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Jul 28, 2016
They Took A Chance On Me
Top Contributor 20 Contributions 52 People Helped

BK in '13, clean since. CreditOne card, repay perfect. TU 697, CK 693. CK odds 'very good'.

Applied via telephone. Answered all app questions. Put on hold about 1 min, came back with a 2k CL. I'm very pleased. I've been granted a second chance on my credit. Thank you Barclay's for takin' a chance, thank you Credit Karma for having this site with all the wonderful information.

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Jan 14, 2017
1 Contributions 0 People Helped

Is there anyone who applied for this card and got declined with approval odds being "fair"???

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Jan 12, 2017
Really wanted this Card
1 Contributions 0 People Helped

I applied and was not instantly approved. Got a letter few days later asking for copy of DL, SS card and proof of adress. I mailed them  the paperwork they requested and got a call few days later to congratulate me and approved me for $4000 CL. 

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Jan 07, 2017
Practically 5.5% effective cash back.
2 Contributions 0 People Helped

Mathematically, for every dollar R =1 we spend, we get R(0.05) = 1(0.05) in cash back; but if we use our cash back--within 120 days--to pay our bill after using our card on, we get an additional 1(0.05)(0.10) = 0.005 back as well. That is, for every dollar R we spend, we get R((0.05) + (0.005)) = 1(0.055) effective dollars in cash back! (However, note that we are ignoring the time-value-of-money and our oppertunity cost-of-capital; e.g., investing our cash back instead.) Hence, overall, this card great as long as is offering the lowest prices in the market--5.5% cash back is hard to beat. Moreoever, this is a great choice for someone who wants a travel card but doesn't want to pay an annual fee. e.g., the Chase Sapphire gives you $625 in rewards, but after amortizing that for 5 years (given its $95 annual fee), you would only have left 625(1.01)^5 - 95 *S angle 5 at 0.01 = $172.29 (assuming you could deposit that into a savings account somewhere). Anyway, luckily for you, my two cents was free.  Note:  "Travel purchases eligible for the 10% Travel Redemption Bonus are defined as: Airlines, Hotels, Motels, . . ., Travel Agencies, Tourist Attractions, Discount Travel Sites, Trains, Buses, Taxis, Limousines, and Ferries. To qualify for the 10% Travel Redemption Bonus, travel purchases must be submitted by merchants using the eligible merchant category codes for purchases in the above categories." But remember, "Purchases at that are not eligible [to earn 5% cash back] include cruise bookings, non-Name Your Own Price® car reservations, and hotel reservations designated as Pay When You StaySM." You're welcome. 

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Dec 22, 2016
Poor Value

This card was OK, but its more points for a trip than say Southwest, yet you only get the base fare covered.  So you still have to pay for your suitcase, seat or any other extra.  If they would make the works avialable with points, I would give it more stars.  Get any other airline card is my advice.  I am hoping to use up my points and dump this card.

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Jul 08, 2016

This is a serious warning....... don't fall for their 50,000 miles scam...... they would give you every reason why they can't grant you the miles even if you spend the minimum required amount and fell short one little thing.
Warning......... do not open an account with Miles & More MasterCard. These guys are the biggest scam ever. Bad customer service. Worst company to ever deal with. Try to stick with Credit Card company that is the USA (they know customer service) based, not a British or whatever other country's credit card companies are................

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