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Apply online for Barclaycard Rewards MasterCard®
About Our Ratings
Credit Needed
Fair

Barclaycard Rewards MasterCard® Review

Pros & Cons

  • Unlimited 2x points for gas, grocery (excluding Target® and Walmart®) and utility purchases, and unlimited 1x points on all other purchases.
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10.
  • No annual fee.
  • If you have excellent credit you may be eligible for a credit card with similar cash back rewards and a lower APR.

Top Features

Points or Miles
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases.
Bonus Miles or Points
N/A
Purchase APR
25.24%* Variable
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

The next British invasion may hit your wallet instead of your music collection, with UK lending giant Barclays putting the spotlight on its Barclaycard brand, winning inroads to the American credit card market.

Giving Those with Fair Credit a Fair Chance at Rewards.  

The self-branded Barclaycard Rewards MasterCard® offers borrowers with average credit the opportunity to earn perks and rewards usually reserved for consumers with higher FICO scores.

This No Annual Fee card offers you 2X points on purchases for gas, groceries (excluding Target® and Walmart®) and utilities and 1X points on all other purchases.

Free to Choose

Like similar programs from Chase, American Express, and Citi, (American Express and Citi are CardRatings.com advertisers) Barclaycard's reward structure isn't tied to specific partners doesn't require you to redeem your rewards points with a specific airline, restaurant, or retailer. Redemption values in Barclaycard's program compare favorably with those from similar programs that offer access to consumers with average credit.

How Barclaycard Rewards MasterCard® compares with other credit cards for average credit

Like other credit cards for average credit, this card balances perks with a much-higher-than-average APR. If you're trying to earn as many rewards points as possible, Barclaycard's convenient website and smartphone apps allow you to process payments throughout your statement cycle. You won't want to carry a balance on this card, though.

Because Barclaycard doesn't define a warehouse store as either a gas station or a grocery store, you might get a better overall redemption rate from a card that bears a retailer's brand. However, for most consumers with average credit, the lack of an annual fee makes this card a relatively risk-free way to build a long-term relationship with a trusted lender as they grow their U.S. operation.  Just be sure to pay off your card consistently.

Rewards credit card for building or rebuilding credit

If you want to upgrade to a rewards credit card for average credit with no annual fee you might consider this card.

Credit reporting agencies rely heavily on your credit utilization ratio when calculating your credit score. Therefore, you'll get the most mileage from this account by keeping your monthly balance just above zero. If you've been using a prepaid debit card for routine expenses, switching to this card can give you added security and with the rewards program you can earn points thereby getting extra value with your purchases. Just submit your payments in time and keep your statement balance as low as possible.

Should you switch to Barclaycard Rewards MasterCard®?

If you're currently paying an annual fee just to participate in a credit card rewards program, the Barclaycard Rewards MasterCard offers a compelling alternative. However, as your credit score improves, you'll earn access to accounts with lower APRs and higher rewards redemption rates. Many of Barclaycard's own credit cards for good to excellent credit offer added rewards bonuses and lower APRs.

This card compared to other reward points cards

Points or Miles
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases.
5% Earnings for $5k and 2% after
3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
Bonus Miles or Points
N/A
Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
Purchase APR
25.24%* Variable
13.15% - 23.15% (V) (V)
13.24%-23.24% Variable 
Annual fees
$0
$0
$95
Rates and Fees
CardRatings.com Editorial Staff

Barclaycard Rewards MasterCard® details

Cashback on Gas
2X points on gas
Cashback on groceries
2X points at grocery stores (excluding Target(R) and Walmart(R)) purchases
Cashback on other
2X points on gas, utility and grocery store (excluding Target(R) and Walmart(R)) purchases. 1x points on all other purchases.
Purchase Intro
APR:
N/A
Purchase APR
25.24%* Variable
Annual Fee
$0
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 21.74
 21.74
 21.99
APR:
  25.24%*
Variable
 25.24%* Variable
 25.49%* Variable
APR Floor:
 
 
 
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Daily balance (including new purchases)
Default/Penalty APR:
 
Default/Penalty Margin:
 
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 $0
Foreign Transaction Fee:
 3%
Late Fee:
 Up to $37
Over-the-limit Fee:
 
Balance Transfer Fee:
3%, Minimum $5  


Notes:

Rebate Description:
 
Special Notes:
 
Credit Card More Information:

Card Issued By:
 Barclaycard
General Correspondence Address:

Card Type:
 Mastercard
Card Class:
 See Terms
Card Category:
 Gas, Student, Credit Card Deals, Low Intro Rate, Business, Low Interest, Hotel Rewards, Airline & Miles, Travel Rewards, 0% Intro APR, Cash Back, No Annual Fee, PrePaid, Reward, Primary Category Cards - Reward Points
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

What Barclaycard says about this card

  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    MIR ( Jun 25, 2015 at 11:42 am)

    I love this card , never had any problem with them like other companies in the past. Easy to use website , give you great points while shopping on regular bases. Use regular pay it back right away earn great points. You can redeem the points as cash to apply to your card. Givefree Fico score.


  2. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Michael F. ( May 28, 2015 at 11:11 am)

    Be very careful with this company. The rewards are not given to you as promised. I have a Choice Privileges Visa with them and I have made multiple calls and spent countless hours trying to get them to give me the rewards points they promised when I signed up. Customer service is horrible and I keep being told lies that they never follow up on. You may be better off trying another company.


  3. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Lindsey Goff ( Apr 28, 2015 at 10:48 am)

    I applied for this card when they advertised 0% interest for 14 months. After I was approved, they said they would email me the terms and agreement, which they did not. The first month, there was no interest charged. The second month, I was charged over $25 in interest. When I contacted them, I was informed that, indeed, that was correct. I told them I would NEVER have applied for a card with 24.99% interest, as I already have a card with less interest rate than that. I immediately cancelled the card and filed a complaint with the FTC for a bait and switch offer.


  4. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    RICARDO J SANTANA ( Jan 9, 2015 at 6:48 am)

    VERY REPUTABLE COMPANY! YOU CAN TRUST!


  5. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Amanda Shorten ( Oct 7, 2014 at 4:17 pm)

    I love this company. Lots of helpful information, and gave me a second chance after a bad divorce, & a bankruptcy...Recommend to anyone...


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  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
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Credit Needed:
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Apply online for The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay® Preferred Credit Card from American Express

  • Earn 15,000 Membership Rewards(R) points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards(R) Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
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  • Terms and Conditions apply.
Credit Needed:
Excellent