Barclays Credit Card Account Options

Mary Gormandy White
woman using her credit card

Barclays Bank is a long-established international financial institution that begin in London in 1690. The company has offered credit card products in some countries since 1966, but is a relatively new entry to the U.S. credit card market. As of 2018, Barclays U.S. offers two MasterCards that aren't affiliated with a specific brand and dozens of co-branded Visa and MasterCard options.

Barclaycard Ring Mastercard

The Barclaycard Ring™ Mastercard® is a great basic credit card for anyone who is more concerned with minimal fees and favorable terms than credit card rewards.

Minimal Fees

Like many basic accounts, it does not have an annual fee. It is also free from foreign transaction fees. You won't earn rewards points for spending on this card, but it does offer key benefits for those looking for maximum value.

Balance Transfer Benefits

According to NerdWallet, "a rare combination of features makes the Barclaycard Ring™ Mastercard® one of the most valuable balance transfer credit cards available." That's because has no balance transfer fee (which is quite unusual) and a variable annual percentage rate (APR) of just 10.49 percent (as of mid-2018).

Qualifying

As you would expect for an account with such favorable terms, you will need an excellent credit score in order to qualify for this card.

Barclays Arrival Premier World Elite Mastercard

If you are a frequent traveler looking to maximize travel rewards without committing to an account offered by a specific brand, then the Arrival® Premier World Elite Mastercard® from Barclays may be a good option for you. This account has an annual fee of $150, but it provides cardholders two miles for every dollar spent, additional miles based on spending levels, and credit toward the fee for expedited Global Entry.

Redeeming Miles

Miles can be redeemed for statement credits for travel, gift cards, or merchandise. They can also be transferred to a limited number of travel loyalty programs. Additional benefits include lounge access in many airports, an international personal identification number (PIN) and chip, and no foreign transaction fees.

Limitations

Unlike many travel rewards options, this account doesn't include a sign-up bonus. The Points Guy says it may be best for people who spend over $200,000 per year (due to how the spending level bonuses work), though it is also a good option for those who spend $25,000 or more and want a fairly simple travel rewards program that allows for statement credits against travel charges.

APR

The variable APR ranges from 17.49 percent to 24.49 percent (depending on creditworthiness) for purchases and balance transfers. There is also a fee for balance transfers (the higher of three percent or five dollars). A higher rate applies for cash advances.

Co-Branded Barclays Account Options

Many popular brand-specific credit cards are part of the Barclays family of accounts. Fees, APR, rewards programs, and other terms and conditions vary by account. According to WalletHub, some of these accounts offer zero APR introductory periods and/or have no annual fee. Qualification requirements vary, with some being open only to those with an excellent credit score, while others allow for cardholders with a less-than-stellar credit history. Options include:

Airlines

  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue
  • Lufthansa

Hotel/Resort

Hotels and resorts with their own credit cards issued through Barclays include:

  • American Airlines
  • Choice Hotels
  • RCI Resorts
  • Wyndham Rewards

Cruise Lines

  • Carnival Cruise Lines
  • Holland America Line
  • Princess Cruises

Other Brands

  • Apple
  • Barnes & Noble
  • National Football League (NFL)
  • Priceline
  • Uber

Exploring Barclays Credit Card Accounts

With so many options available, it is definitely worth exploring the various credit cards accounts issued through Barclays. Whether you are looking for a way to maximize rewards with a specific brand, want to build up miles to offset the cost of a major trip, or are looking for an account with low fees and a below-average interest rate, there is something in the Barclays portfolio for you. Research the different choices before deciding if you should apply for one or more credit cards from this financial institution.

Barclays Credit Card Account Options