I applied for this card (credit karma says I had a poor chance - scores range from about 640-650 & I already have a barclay rewards card with a $500 limit) and got a message stating my application is being processed and I will hear from them in 7-10 business days. I immediately called the reconsideration line to see if I can provide any further information to help them make their decision. The customer service agent was extremely polite and asked me several questions on my credit report (old charge offs, recent inquiries). Long story short, she said the application would have to be denied due to all of my recent inquiries in the last 3 months (about 5) but since I already have an account with them, to continue making payments and try back in a couple of months. I let a day go by and I said "what the heck? I'm going to call them again" the agent I spoke with this time was concerned with my old charge offs, I explained to him that they were very old and in recent years I've had a clean credit profile and BAM! I was reconsidered and approved for $1000! All in all, if you are persistent and honest with them about your credit profile, you may find someone who believes in your credit worthiness. Thank you Barclay!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 Months on balance transfers made within 45 days of account opening
- Balance Transfer Regular APR 15.99%, 20.99% or 25.99% Variable
- Annual Fee $0
- Purchase Intro APR 0% for 15 Months
- Purchase Regular APR 15.99%, 20.99% or 25.99% Variable
The Barclaycard CashForward™ World MasterCard® is a straightforward, solid cash back card.
What to Like
The Barclaycard CashForward™ World MasterCard® offers rewards with no annual fee. Cardholders can earn 1.5% cash back on every purchase and the rewards don't expire as long as you keep your account open, active and in good standing. Cardholders could also earn a one-time $200 rewards bonus after spending $1000 in purchases in the first 90 days after account opening.
Look Out For
This card includes both balance transfer and foreign transaction fees. There are also late payment fees up to $37.
Most Helpful Positive Review
Most Helpful Negative Review
If you are applying for this card to use the 0% APR on PURCHASES, please pick any other card on the market. Once I was approved for the card, they started charging me interest on my 3rd statement. After working with Customer Service for MONTHS, they came to the conclusion that this "0% APR on Purchases" was a promo that only started after I signed-up. Yet, the only reason I even signed up for this card (or even found it) was to utilize the 0% interest. I found this card by using Mastercard's Find-A-Card tool, with 0% interest. Now, in order to prove I'm supposed to have 0% interest, they require me to fax in my terms and conditions. It's a complete scam.
Here's a good example of how clueless their Customer Service Representatives are:
Me: Yes, I was supposed to have 0% interest on Purchases for the 1st 15 biling cycles
Representative: Sorry, we don't offer ANY cards with 0% interst on Purchases
Me: Here's the URL to your company's website with the card I have, that also shows 0%
Representative: Oh...that's new. That just started, and wasn't available when you signed up
Somehow after proving the representative wrong, she immediately knew about this promotion and that it was FOR SURE not available when I signed up... right... how convenient.
I've had no problems with Chase, American Express, or Citi in the past, but this was enough for me to realize - never to do business with Barclaycard.
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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.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.