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Best Barclays Credit Cards

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by Chris Thompson | Updated Jul. 11, 2018

Overview of the Best Barclays Credit Cards

Barclays 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 Barclays 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 Barclays Credit Card for Travel

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  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing

Annual Fee

$89

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 12 Billing Cycles (for balance transfers completed within first 45 days)

Regular APR

17.74%, 21.74% or 24.74% 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 60,000-mile bonus after spending $5,000 within the first 90 days and after paying the annual fee.

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 billing cycles (on balance transfers made within 45 days of account opening). After the introductory period is over, the APR will change to 17.74%, 21.74% or 24.74% 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. 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 Barclays Credit Card for Profit-sharing

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  • Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply
  • Low 13.74% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply.

Regular APR

13.74% Variable

Benefits

The Barclaycard Ring® Mastercard®, while lacking rewards, provides solid cardholder benefits elsewhere, namely only having few fees and a low interest rate.

No annual fee and no foreign transaction 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 good to 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 Barclays Credit Card for Travel

More Details

  • 75,000 MILES EACH YEAR if you spend $25,000 on purchases
  • After that, keep earning UNLIMITED 2X MILES on every purchase
  • Global Entry – $100 automatic statement credit for the cost of one Global Entry application fee every five years
  • Book the best travel deal, no airline, seat or hotel restrictions, and redeem your miles for travel statement credits
  • Access to over 850 lounges worldwide with Mastercard® Airport Experience provided by LoungeKey, fees apply
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world

Annual Fee

$150 (waived first year)

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.74%, 21.74% or 24.74% Variable

Benefits

With 2x miles on all spending, the Barclays Arrival® Premier World Elite Mastercard® offers plenty of rewards upside for anyone who has the funds to use the card as much as possible. This solid rate is supplemented by a loyalty bonus mileage program that offers you the chance to earn as much as 25,000 bonus miles each year. Simply spend $15,000 annually to get 15,000 loyalty bonus miles, with an additional 10,000 loyalty bonus miles available if you spend another $10,000 within the same year. Loyalty bonus miles are earned along with unlimited 2x miles, which means that if you spend $25,000 in a year you will receive 75,000 miles.

No foreign transaction fees make this card extremely easy to hop around the globe with. A $100 statement credit to cover the fee for your Global Entry application every five years will also speed up your travels significantly by keeping your airport trips as short as possible.

Mastercard® and Barclays have also teamed up to afford you access to more than 850 airport lounges at 400-plus locations for $27 per person.

Things to Consider

The $150 annual fee attached to this card could be restrictive for some cardholders, though it is waived for the first year. This will be particularly pertinent for those who won’t be able to spend often with the card.

While the 17.74%, 21.74% or 24.74% Variable APR associated with this card aren’t that high in the grand scheme of the market, but ending up with the highest rate could become an issue if you don’t pay off your outstanding balance every month.

Verdict

Though it’s definitely not the cheapest option, the Barclays Arrival® Premier World Elite Mastercard® follows up on its promise of great travel perks. Bottom line: you’re getting exactly what you pay for.

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.

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