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

Barclaycard Rewards MasterCard® Review

Pros & Cons

  • Unlimited 2x points for gas, grocery and utility purchases, and unlimited 1x points on all other purchases.
  • Low point requirement to start redeeming, at 10,000 points cardholders can earn $10 gift cards and statement credits.
  • No annual fee.
  • If you have excellent credit you may be eligible for a credit card within similar cash back rewards and a lower APR.

Top Features

Points or Miles
2X points on purchases for gas, groceries and utilities; 1X points on all other purchases. Points can be redeemed for rewards such as cash back statement credits and gift cards.
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 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 purchases for gas, groceries and utilities; 1X points on all other purchases. Points can be redeemed for rewards such as cash back statement credits and gift cards.
2X miles/$1 spent on travel and dining; 1X mile/$1 spent on all other purchases. Get 5% miles back to use toward your next redemption, every time you redeem
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
20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
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
16.24%, 20.24% or 24.24%* Variable 
13.24% - 22.24% Variable 
Annual fees
$0
$0
$95
Rates and Fees
CardRatings.com Editorial Staff

Barclaycard Rewards MasterCard® details

Points or Miles
2X points on purchases for gas, groceries and utilities; 1X points on all other purchases. Points can be redeemed for rewards such as cash back statement credits and gift cards.
Bonus Miles or Points
N/A
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:
  
Card Class:
 See Terms
Card Category:
 Travel, Miles/Points, Hotel Rewards, Gas, Credit Card Deals, Rewards, Reward, Points Rewards, No Annual Fee, Airline Rewards, Primary Category Cards - Reward Points, Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

What Barclaycard says about this card

  • 2X points on purchases for gas, groceries and utilities, 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
  • No limits on the number of points you can earn or redeem
  • Starting at 1,000 points for $10, points can be redeemed for statement credits and gift cards
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • $0 Fraud Liability on unauthorized charges

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:
    RICARDO J SANTANA ( Jan 9, 2015 at 6:48 am)

    VERY REPUTABLE COMPANY! YOU CAN TRUST!


  3. 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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Apply online for Premier Rewards Gold Card from American Express®

Premier Rewards Gold Card from American Express®

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges, plus a room upgrade at check-in if it's available, when you book a stay of at least two consecutive nights.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% or more. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good