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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User Reviews

Star Rating

3.6

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36 Reviews

Review Breakdown

5 grade

47%

4 grade

11%

3 grade

14%

2 grade

1 grade

25%

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Tabitha Norman Norwalk, OH

I love that they allow me to use my car at not just their locations but anywhere and you get points earned towards rewards. I dislike that after u use a certain amount of money the interest charge takes out alot. Then even if you double ur payment it seems as if the interest charge never gets smaller and u can't seem to pay it down.

5 months ago

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Stephanie Love Herriman, UT

I’ve bought all my Apple products on the card and so far I have been so happy with this company. I have 18 months zero interest and I love how they give me a free update on my credit score monthly. Their online service lets me pay my bill online with no free. The online service is very user friendly and sends me updates on my account. I will definitely keep this account open.

3 years ago

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Ashley Pleasant Grove, UT

I have the Arrival+ Barclaycard Mastercard and love it. You earn 70,000 bonus miles after spending so much money in the first 3 months. Its the best card for travel because you get 5% miles back to use toward your next redemption every time you redeem. If you travel a lot like I do you will want this card! It pays for itself and the first year fee is waived.

3 years ago

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Zac Cannon Gulfport, MS

I use Barclay's through Apple Rewards. I get great interest and a great credit line! It also keeps up with my FICO credit score and is fairly accurate. My interest also stays low and if I buy Apple products with it, I get a full year interest free, depending on promotions.

3 years ago

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Ted Johnson Pleasant Grove, UT

Barclaycard was a good card for me at the time. It was a little high on the interest rate, but they would lower it for me if I paid on time and handled the credit effectively. I was able to increase my credit available over time and it was received at everywhere I wanted to shop and buy things.

3 years ago

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Reese Pleasant Grove, UT

Barclaycard is easy and convenient for me, as I use it everywhere, in shopping, restaurants, travel and other purchases. It is easy to keep track of online, they keep track of my spending and give me a report that helps as well and I like the rewards program.

3 years ago

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MattB American Fork, UT

I use my Barclaycard everyday. I originally applied for it because of the rewards offer. I love their travel rewards card and it’s helped me pay for some of our vacation lodging expenses.

2 years ago

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Hallieford Orem, UT

We love the low interest rates on our Barclaycard card. We got behind on our payments and they were very helpful and helped us work out a plan to catch up without being penalized.

3 years ago

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Keri Christensen Lehi, UT

My Barclays card is the best! I recently redeemed some of my points and it was so easy. They basically just credited my card for my qualifying purchases. Really low annual fee as well!

4 years ago

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Verified Customer

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Sanford

Great customer Service. Always available to help

2 years ago

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a j Roswell, GA

Great benefits! The cash back rewards really start to add up.

5 months ago

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Myken Cheyenne, WY

We use our Barclaycard daily for everyday expenses and the rewards add up fast. The app is very user friendly and convenient.

3 years ago

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Noemi Wisniewski Chandler, AZ

Gives cash back. Easy to deal with. Staffs are polite. Customer service are station here in USA

5 years ago

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abe fried Bensalem, PA

Great offers and promotions to sign up! customer service is very good and they are very professional.

2 years ago

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Danielle Powell Long Beach, MS

Love this credit card and the rewards associated with it. I have used it's balance transfer as a way to lower debt

3 years ago

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Douglas Kempf

Very good and navigable web site, very good and responsive customer service,

3 years ago

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amy rex ,

love Barclaycard Jetblue card. No fees and great earning potential for TrueBlue points.

3 years ago

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