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Best Barclaycard Credit Cards

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by Chris Thompson | Updated Feb. 1, 2018

Overview of the Best Barclaycard Credit Cards:

Barclaycard is one of the newer issuers of credit cards in the United States. However, after a little over a decade, they have quickly become a favorite for many households. The biggest reasons are because they offers one of the most valuable flat-rate travel cards on the market, plus they waive fees and provide 0% interest to active military personnel. A look through the Barclaycard credit card list and you will notice a common theme...corporate partners. You will find everything from American Airlines, Choice Hotels, and even the NFL. We have taken each card through a strict grading process to determine which card might be the best for your individual needs. See More



Best Barclaycard Credit Card for Travel

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  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness. There is a fee for balance transfers.

Annual Fee

$89 - Waived first year

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 12 months (on balance transfers made within 45 days of account opening)

Regular APR

17.24%, 21.24% or 24.24% Variable

Benefits

If you are looking for a travel credit card with a high sign-up bonus, generous rewards for purchases and flexible redemption options, then Barclaycard Arrival Plus® World Elite Mastercard® is for you. When you sign up for this card, you’ll receive a 40,000-mile bonus after spending $3,000 within the first 90 days.

You will then receive 2x miles for every dollar that you spend with your card. When it comes time to redeem your miles, you can do so for statement credits on any travel expense. Every 10,000 miles that you redeem is worth a $100 statement credit. Plus, each time you redeem miles, you will receive 5% back into your account.

In addition to being a great card for rewards, it also offers an introductory 0% APR for 12 months (on balance transfers made within 45 days of account opening). After the introductory period is over, the APR will change to 17.24%, 21.24% or 24.24% Variable. There is also a fee on all balance transfers of 3%, minimum $5.

Things to Consider

Like most travel reward cards, Barclaycard Arrival Plus® World Elite Mastercard® has an annual fee. The fee is $89, but it’s waived the first year. Before you make the decision to apply for this card, make sure the miles you can earn justify paying an annual fee.

Verdict

If you are looking for a travel credit card with flexible redemption options, then Barclaycard Arrival Plus® World Elite Mastercard® is the perfect choice. This card will allow you to use your rewards toward travel purchases, which most cards won’t cover.

Best Barclaycard Credit Card for Profit-sharing

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  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

10.24% Variable

Benefits

The Barclaycard Ring™ Mastercard®, while lacking rewards, provides solid cardholder benefits elsewhere, namely in a lack of fees and a low interest rate. Balance transfers, purchases and cash advances are all subject to the same low 10.24% Variable APR.

No annual fee, no foreign transaction fees and no balance transfer fees are also great perks and mean this card will be a welcome additional to a frequent traveler’s wallet.

The rest of your card’s benefits are up for grabs depending on what you, the cardholder, and the rest of the Barclaycard Ring community wants most. Barclay offers a unique program that allows members to voice their ideas for potential card features, along with a voting system to make the final decision.

Things to Consider

If you’re hoping to benefit from a credit card rewards program, you won’t find that with this card. Furthermore, you’ll need excellent credit to qualify for the Barclaycard Ring™ Mastercard®.

Verdict

If you are looking for a card with a low APR and almost no fees, then Barclaycard Ring™ Mastercard® is a great option.

Best Overall Airline Rewards Card

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  • Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
  • Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • Earn 5,000 bonus points every year after your account anniversary
  • 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
  • Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
  • Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card

Annual Fee

$99

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% intro APR for 12 billing cycles (for balance transfers posted within first 45 days)

Regular APR

13.24%, 21.24% or 26.24% Variable

Offer is no longer available through our site.

Benefits

The JetBlue Plus Card offers one of the strongest rates of any travel rewards credit card on the market. The card offers a whopping 6 points on purchases made directly with JetBlue, 2 points on dining out and groceries and 1 point on other purchases. The points you earn don’t expire and there are no blackout dates, giving you the chance to use your points however you’d like.

JetBlue does a fantastic job of keeping those rewards coming with an annual 5,000-point bonus after your account anniversary. You’ll also get 10% points back every time you redeem. In-flight spending also features some major perks, like 50% off eligible in-flight purchases of cocktails and food, as well as your first checked bag free on JetBlue-operated flights.

After you book your trip with JetBlue, feel free to bring your card with you abroad, as there are no foreign transaction fees. Plus, if you need to make a balance transfer, you’ll have the opportunity to do so without any interest for a full year.

Things to Consider

The $99 annual fee associated with this card is easily its most significant drawback. For some people, it may even be a deal breaker. You’ll have to decide for yourself if the benefits are worth the price tag for you.

Verdict

If you’re looking for an airline-based rewards program, there’s no better choice out there than the JetBlue Plus Card. Between the massive bonus earnings, the service discounts and the 6 rewards points afforded for all JetBlue purchases, this card is an incredibly attractive contender, especially for loyal JetBlue customers.

Best No Annual Fee Airline Rewards Card

More Details

  • Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
  • Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
  • Points awarded in your TrueBlue account don't expire
  • Earn and share points together with Family Pooling
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% intro APR for 12 billing cycles (for transfers posted within first 45 days)

Regular APR

12.99%, 20.99% or 25.99% variable

Offer is no longer available through our site.

Benefits

The JetBlue Card is like the younger sibling of the JetBlue Plus Card: it offers a smaller sign-up bonus and a lower rewards rate system but doesn’t have an annual fee. If you spend $1,000 in the first 90 days that you have the card, you could earn 10,000 bonus points. Feel free to save up those points for as long as you want to, as there is no expiration date on points and no blackout dates once you do decide to redeem them.

JetBlue purchases are where you’ll earn the most points, with 3 points for every dollar spent with the airline. You’ll get 2 points for spending on dining out and groceries and 1 point on everything else.

You’ll also have a chance to take advantage of the 12-billing cycle, 0% introductory APR on balance transfers, and no foreign transaction fees while traveling internationally.

Things to Consider

The only noticeable drawback to this card is one that won’t affect every cardholder -- the 12.99%, 20.99% or 25.99% variable APR. Where you’re placed is dependent on your credit score and history. Of course, if you pay your credit card bill in full every month, you won’t have to worry about racking up interest payments. If this is something you’ve struggled with in the past though, this is a factor that’s worth considering.

Verdict

If the $99 annual fee of the JetBlue Plus Card is a bit too much for you, then The JetBlue Card could be the perfect choice. While it offers half the rewards on JetBlue purchases, it still features benefits right in line, or better than, many other airline-specific cards, making it a solid option for loyal JetBlue fliers.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing student credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.
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