Barclaycard Logo
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4.3

Overall Score

LAST UPDATED: December 23rd, 2023

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.

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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.
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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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Star Rating

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3.6

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37 Reviews

Review Breakdown

5 grade

49%

4 grade

11%

3 grade

14%

2 grade

3%

1 grade

24%

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Service

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Kristen ‘Aiea, HI

While the customer service I've received has been good, their interest rates are too high, I've set alert for my account and it never works and they have been known (I have a close friend who has experienced this) to blacklist people from applying for their credit card.

6 years ago

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Review Source

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Shelton Germaine Rogers, AR

I am currently a customer of Barclay cards, I selected this company because of their new customer offer for the Carnival cruise credit cards. The rates aren't as good as some of my other cards. That being said, I have never had any issues with using the cards or ran into any security concerns.

1 year ago

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Anonymous Henderson, NV

High Interest Rates and the lack of reducing the rate even after on time payments and longevity with the credit card company

6 years ago

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Brooke

Good service and no annual fee required, etc

4 years ago

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Donna Wheeler Spring Valley, CA

Interest rates are too high and will not work with you.

6 years ago