I applied for this card while rebuilding credit two years after bankruptcy. Initially I was awarded a $1500 credit line. As with all my credit, I have been very careful and attentive. I now use credit as a tool instead of a crutch, thus I rarely buy something that I don't already have the money in the bank to pay for. A year later, I applied for an increase and they bumped it up to $2500. Using the card and paying on time, I applied last evening (9 months later) for an increase and now have a $5000 limit.
Most Helpful Positive Review
Most Helpful Negative Review
Overall, I'm satisfied with this card. The chip is convenient, and it was easy to request a credit line increase after 1 year of use ($5,000 to $10,000). The request for increase was approved in less than 24 hours which was ideal seeing as I was going to be traveling a couple days after I submitted the request. The rewards system is decent, but could be improved. I'm not a fan of the $25/2,500 miles reward minimum for use. I like that you can update your online "travel planner" so Barclay knows when you'll be in a different jurisdiction for upcoming purchases.
Compare Holders of this Card
Sample Size: 3,202
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations