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Barclaycard CashForward™ World Mastercard® Review

Pros & Cons

  • A flat, unlimited 1.5 percent cash back on all your purchases, all the time makes this a great card for steady, easy rewards earning. Plus, earn a 5 percent cash-back bonus each time you redeem your rewards for cash, statement credit or gift cards to be applied to your next redemption
  • Receive a $200 cash-back bonus after you spend $1,000 in the first 90 days.
  • Take advantage of 15 months of 0 percent APR on purchases as well as on balance transfers made within the first 45 days.
  • You would likely earn more cash back more quickly with a card that offers bonus rewards categories or tiered rewards.

    Top Features

    Cash Back on Gas
    1.5%
    Cash Back on groceries
    1.5%
    Cash Back on other
    1.5%
    Annual Fee
    $0

    Full Review

    Brooklyn Lowery Site Editor

    Barclaycard CashForward™ World Mastercard® Essentials

    The Barclaycard CashForward™ World Mastercard® gives you all the simplicity of a flat-rate cash-back rewards credit card with an added opportunity to earn bonus cash-back when you redeem your rewards.

    The Barclaycard CashForward™ World Mastercard® offers unlimited 1.5 percent cash back on all your purchases, all the time. Plus, you can earn an introductory $200 cash back after you spend $1000 within the first 90 days from account opening - that's a low spending threshold when it comes to introductory cash-back offers.

    Flat-rate credit cards are having a moment, and the Barclaycard CashForward™ World Mastercard® is certainly competitive in that market with its 1.5 percent cash-back rate; however, this card actually offers you an additional 5 percent cash back on any amount you redeem, to be paid as part of your next redemption.

    For example, if you spend $600 on your Barclaycard CashForward™ World Mastercard® each month at the grocery store, you'd earn $108 cash back annually just based on the 1.5 percent rate. Then, when you redeem that $108 you'll earn an additional $5.40 toward your next redemption.

    In other words, get to earning and get to redeeming.

    Key features of the Barclaycard CashForward™ World Mastercard®

    • Earn 1.5 percent on every purchase; there are no special rewards categories to track.
    • Redeem your cash rewards for a deposit into a bank account, for a statement credit or for gift cards.
    • Receive a 5 percent cash-back bonus to be applied to your next redemption each time you redeem.
    • Take advantage of a 0 percent APR on balance transfers for 15 months (when made within the first 45 days of account opening).
    • There's no annual fee.

    In addition, as a Barclaycard CashForward™ World Mastercard® cardholder, you'll enjoy $0 fraud liability protection on unauthorized purchases and free online access to your FICO credit score.

    What Our Editors Like Most About the Barclaycard CashForward™ World Mastercard®

    The best feature of flat-rate cash-back credit cards like Barclaycard CashForward™ World Mastercard® is that they are easy to use and allow even cardholders who don't want to think too hard about their credit card usage an opportunity to rack up rewards.

    With the Barclaycard CashForward™ World Mastercard®, you earn unlimited rewards at a rate of 1.5 percent cash back on every single purchase; there are no categories in which you earn higher rewards as some other cash-back credit cards offer, but that means you also don't have to keep up with those categories or sign up quarterly for the bonus cash back.

    So the Barclaycard CashForward™ World Mastercard® is a straightforward way for card customers to earn cash back rewards. With no annual fee, you will be truly rewarded for each purchase that you make with the Barclaycard CashForward™ World Mastercard® without having to pony up an annual fee each year. And because the cash-back rewards are unlimited and don't expire, there is no rush to use them even as they continue to accumulate.

    The Barclaycard CashForward™ World Mastercard® also comes with a 0 percent APR offer on purchases and balance transfers made within 45 days of account opening for 15 months after card opening, which is nice if you have balances with other credit cards you want to consolidate and pay off over time.

    Sweetening the deal a bit, the Barclaycard CashForward™ World Mastercard® has a couple of additional rewards perks that do set it apart from the other flat-rate cards that have arrived on the scene. The introductory cash-back bonus offer of $200 after spending $1000 on the card within the first 90 days of card ownership is both generous and a offers a low spending bar.

    The real shining star feature, though, is that each time you redeem your rewards, whether for cash back, gift cards or statement credit, you'll receive an additional 5 percent cash back to use toward your next redemption. So if you redeem rewards for a $50 statement credit, you'll automatically receive $2.50 to be applied toward your next redemption. Getting an extra 5 percent cash-back award each time you redeem is a unique perk and one that sets the Barclaycard CashForward™ World Mastercard® apart from other cash-back credit cards.

    Potential Downsides of the Barclaycard CashForward™ World Mastercard®

    The pluses of this card are many, including the lack of annual fee, but there are a few other fees to keep in mind. In particular, the Barclaycard CashForward™ World Mastercard® charges a 3 percent foreign transaction fee on all purchases made while abroad, so you might not want to pack this card for your next overseas trip.

    Also, you'll pay 3 percent (not less than $5) on each balance transfer, even during the introductory period.

    As mentioned before, the Barclaycard CashForward™ World Mastercard® doesn't offer rotating or tiered categories like many other cash-back cards do, so it will likely take you a bit longer to earn rewards with the Barclaycard CashForward™ World Mastercard®. If you're organized enough for a rotating or tiered rewards structure, you certainly stand to earn more cash back, more quickly with those options.

    But if "slow and steady wins the race" is your motto, flat-rate cash-back credit cards like the Barclaycard CashForward™ World Mastercard® are certainly worthwhile options that will net you some solid rewards over time.

    How the Barclaycard CashForward™ World Mastercard® Compares to Other Cash-Back Cards

    Barclaycard CashForward™ World Mastercard® vs. Blue Cash Everyday® Card from American Express

    Like the Barclaycard CashForward™ World Mastercard®, the Blue Cash Everyday® Card from American Express (American Express is a Cardratings advertiser) charges no annual fee and there is an opportunity for new customers to earn cash-back bonus after spending $1,000 in the card account's first three months, though it's only $150 with the American Express card so slightly less than you could snag with the Barclaycard.

    Unlike the Barclaycard CashForward™ World Mastercard®, the Blue Cash Everyday® Card from American Express is a tiered cash-back rewards card, so your rewards-earning potential could be much greater if the categories fit your regular spending habits. With the Blue Cash Everyday® Card from American Express, you'll earn 3 percent back at U.S. supermarkets on up to $6,000 in spending annually (1 percent after that), 2 percent back at U.S. gas stations and select U.S. department stores and 1 percent on all other purchases.

    The Barclaycard CashForward™ World Mastercard® and the Blue Cash Everyday® Card from American Express both offer an introductory 0 percent APR period of 15 months on purchases and balance transfers, (the APR jumps to 14.24%-25.24% Variable after the intro period for the American Express card), but you must make your transfers within 45 days of account opening to take advantage of the Barclaycard balance transfer offer.

    Barclaycard CashForward™ World Mastercard® vs. Wells Fargo Cash Wise Visa® Card

    The Wells Fargo Cash Wise Visa® Card is another flat-rate card that gives cardholders the opportunity to earn unlimited cash-back rewards at a rate of 1.5 percent. As an introductory bonus, it offers the opportunity to earn 1.8 percent cash back on Android Pay™ or Apple Pay™ mobile wallet purchases made within the first 12 months from account opening.

    Even if you routinely use Android Pay™ or Apple Pay™, you'll earn more rewards long-term with the 5 percent redemption bonus offered by the Barclaycard CashForward™ World Mastercard®. Still, if you already have a relationship with Wells Fargo, you might prefer to stay within that bank's system.

    Barclaycard CashForward™ World Mastercard® vs. Chase Freedom®

    These are both cash-back rewards cards without annual fees. Beyond that, the differences are where you need to focus.

    Chase Freedom® is a rotating categories cash-back rewards card. That means cardholders earn 5 percent cash back on up to $1,500 in purchases in bonus categories each quarter you activate. You earn 1 percent back on purchases over the $1,500 cap and on all your non-bonus category purchases.

    You stand to earn substantial cash back with Chase Freedom®, but only if you're paying attention to the bonus categories and using your card appropriately. If you don't focus on spending in the bonus categories, you'll only earn 1 percent back. In that case, the Barclaycard CashForward™ World Mastercard® offers better cash back.

    Chase Freedom® offers a 15-month 0 percent APR intro period for balance transfers and purchases as well as a slightly lower intro cash-back bonus of $150, but for a lower spending threshold of $500 within the first three months.

    This decision comes down to whether you're willing to put the time and thought into maximizing your reward potential in rotating bonus categories or if you'd prefer the simplicity of a flat-rate card.

    Who Should Get This Card?

    Card customers who like a straightforward strategy for earning cash-back rewards should consider the Barclaycard CashForward™ World Mastercard®. When it comes to flat-rate cards, this is a solid option with some additional features that help it stand out from the crowd. In particular, the opportunity to earn an additional 5 percent cash back each time you redeem your rewards is a nice perk.

    This page was last updated on December 19, 2017

    This card compared to other cash back cards

    Card Name
    Barclaycard CashForward™ World Mastercard®
    Cash Back on Gas
    1.5%
    1-5%
    1.5%
    Cash Back on Groceries
    1.5%
    1-5%
    1.5%
    Cash Back on other
    1.5%
    Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
    1.5%
    Purchase Intro
    APR:
    0%
    Period:
    APR:
    0%
    Period:
    14 months
    APR:
    0% intro on purchases
    Period:
    for 9 months
    Purchase APR
    15.99%, 20.99% or 23.99% Variable 
    13.24% - 24.24% Variable 
    14.24% - 24.24% (Variable) 
    CardRatings.com Editorial Staff

    Barclaycard CashForward™ World Mastercard® details

    Balance Transfer Intro APR:
    0%
    Balance Transfer Intro Period:
    APR:
    15 months (on balance transfers for each balance transfer made within 45 days of account opening)
    Balance Transfer Fee:
    3%, Minimum $5
    Annual Fee:
    $0

    What Barclaycard says about this card

    • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
    • Earn unlimited 1.5% cash rewards on every purchase
    • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
    • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
    • Cash rewards do not expire as long as your account is open, active and in good standing
    • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
    • No annual fee

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