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LAST UPDATED: October 6th, 2022

Barclays introduced the first credit card to the U.K. in 1966. The company's U.S. branch, Barclaycard, has been offering credit cards in the U.S. since 2004 when it began partnering with companies to offer "co-branded" credit cards.


The Good

  • Rewards Program
  • No Annual Fees
  • Fraud Safeguards

Rewards Program

The majority of Barclaycard's credit cards are rewards cards. There are a variety of different cards to choose from, so customers can pick which rewards they would like to take advantage of. Benefits include cash, bonuses, points, consumer items, and travel rewards.

No Annual Fees

Barclaycard does not charge any annual fees, which can save cardholders hundreds of dollars each year.

Fraud Safeguards

Keeping its cardholders' accounts secure is Barclaycard's top priority. Because of this, the company has put security measures in place. For example, Barclaycard requires verification and a special passcode to log in. Additionally, the company does not hold cardholders liable for reported unauthorized charges.

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The Bad

  • Undisclosed Information
  • Late Payment Penalties

Undisclosed Information

Barclaycard has not disclosed APR ranges on its corporate website. In addition, it is unclear whether or not the company charges a foreign transaction fee or provides its customers with free credit score tracking.

Late Payment Penalties

Each time a cardholder makes a late payment, they will incur a fee of up to $35.

The Bottom Line

Barclaycard does not charge annual fees and offers several rewards programs and fraud safeguards. However, the company has not disclosed several pieces of important information, including APRs, and charges late payment fees.

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Tamara Krause Jacksonville, FL

I have been a customer for over 10 years and never missed a payment. Then, out of the blue, I get a letter stating they reduced my credit line by $6,000 - right before the holidays! When I called to speak to them, they spent 2 minutes, reviewed the account and said they wouldn't change their decision. I'll be paying off the card and cancelling it.

4 years ago