Credit Cards

How Hard Is It To Get A Barclays Credit Card

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 8 minute read

To assist you achieve your financial objectives, Barclays credit cards are available. Which one of them will you be adding to your wallet in the near future? Barclays provides a wide range of international financial services, including a wide range of credit card options for consumers and businesses.

There’s a credit card for everyone in the company’s lineup, whether you’re looking for the finest travel rewards credit card or the top cash back credit card available. These great possibilities are available if you want to apply for a new Barclays credit card.

About Barclays

John Freame and Thomas Gould, two goldsmith bankers, founded Barclays in London, England, in 1690. From the time he became a partner in 1736, James Barclay has been synonymous with the corporation. Barclays continued to grow throughout the British Isles, including Northern Ireland, Scotland, and Wales, throughout the following several centuries. 

Founded in Britain in 1966, Barclaycard was the country’s first credit card provider when it went public in the United States in 2009. Bank of America now serves clients all over the world via the internet, making it a truly global institution in today’s society. Credit cards, savings accounts, personal loans, and certificates of deposit are some of the products offered by the company.

Barclays is able to service millions of clients throughout the world because of its 85,000 workers. Barclays has 250 million client transactions every month in the United Kingdom alone. In 2019, the company earned more than $20 billion.

Which Barclays credit cards are there?

Personal and small business credit card choices are available from Barclays. When deciding on a credit card, bear in mind your long-term financial objectives so you can maximize the value of each card.

Personal credit cards issued by Barclays

A wide array of credit card categories are available to meet the needs of Barclays’ diverse customer base. Choose from a variety of credit cards, including airline credit cards, no-annual-fee cards, and more. Everybody can find something to their liking.

Barclays’ first 0% APR credit cards

Using 0% introductory APR credit cards is a smart way to pay off debt rapidly. As long as you’re eligible for a 0% intro APR period, you won’t have to pay interest on balance transfers and/or other transactions. Focus on debt repayment throughout this time period in order to emerge from it debt-free. These Barclays 0% Intro APR cards are available:

  • It has a 15.99 percent to 24.99 percent variable APR on balance transfers that post within 45 days of account establishment, with the initial APR of 0 percent on balance transfers for 15 billing cycles.
  • MasterCard® from Barnes & Noble offers 0% intro APR for 15 months on balance transfers (on transfers that post within 45 days of account opening)
  • There is a 0% introductory APR on all qualified Carnival Cruise Line booking purchases for six billing cycles after the transaction date, and a 15-billing-cycle 0% introductory APR on balance transfers when using the Carnival® World Mastercard® (on transfers that post within 45 days of account opening)
  • Visa Signature® Card. 0% initial APR on balance transfers for the first 15 months (after 15.74 percent to 24.99 percent (variable),)
  • Intro APR. 0% for six billing cycles from the transaction date on all qualified Diamond Resorts vacation ownership purchases; 0% intro APR on debt transfers for 15 billing cycles from the transaction date (on transfers that post within 45 days of account opening)
  • On balance transfers that post within 45 days of account establishment, there is a 0% intro APR for 15 billing cycles (after 15.99 percent to 24.99 percent (variable).
  • 0% introductory APR on balance transfers for 15 billing cycles with the Holland America Line Rewards Visa® Card (on transfers that post within 45 days of account opening)
  • 0% intro APR on balance transfers for 12 billing cycles (transfers that post within 45 days of account establishment) (then 15.99 percent to 24.99 percent (variable)
    For the first 12 billing cycles on balance transfers posted within 45 days of account establishment, JetBlue Plus offers a 0% intro APR (after 15.99% to 24.99% (variable)) on transfers.
  • For the first 15 billing cycles (on transfers that post within 45 days of account establishment), the APR on Lufthansa Miles & More® World Elite Mastercard® is 0%; after that, it ranges from 15.99% to 24.99%. (variable)
  • 0% on qualified NFL ticket purchases with the NFL Extra Points Credit Card. All qualified NFL club ticket purchases are eligible for a six-month intro APR (from 15.99 percent to 25.99 percent). 0% introductory APR for 15 months on debt transfers (on transfers that post within 45 days of account opening)
  • 0% introductory APR on balance transfers for the first 15 billing cycles with the Priceline RewardsTM Visa® Card (on transfers that post within 45 days of account opening)
  • No intro APR for 15 billing cycles on debt transfers with Princess Cruises® Rewards Visa® Card (on transfers that post within 45 days of account opening)
  • A 0% intro APR on balance transfers for the first 15 billing cycles of the RCI® Elite Rewards Mastercard® (on transfers that post within 45 days of account opening)
    The Upromise® Mastercard® has a 0% intro APR on balance transfers for 15 payment cycles (on transfers that post within 45 days of account opening)
  • For the first six billing cycles, there is no interest on purchases made with the Wyndham Rewards® Earner Plus Card; for the first 15 months, there is no interest on transfers posted within 45 days of account establishment (after which there is an interest rate of 15.74 percent to 24.99 percent)
  • Card that earns Wyndham Rewards® points. A 0% interest rate for the first six months on Wyndham timeshare purchases; a 0% interest rate for 15 billing cycles on transfers posted during the first 45 days after account creation

No annual fee Barclays cards

If you don’t want to worry about paying an annual fee, a no-annual-fee credit card is ideal. Getting the most out of a no-annual-fee credit card is as simple as using one that offers cash back or other perks. For instance, many annual charge credit cards have outstanding perks, but the expense of the annual fee must be weighed against the benefits. Having a card with no yearly charge eliminates that concern. All of the benefits and rewards you receive are free since there is no yearly fee.

There is no annual fee for these Barclays credit cards:

  • Barnes & Noble Mastercard®
  • Carnival® World Mastercard®
  • Choice Privileges® Visa Signature® Card
  • Diamond Resorts World Mastercard®
  • Holland America Line Rewards Visa® Card
  • JetBlue Card
  • NFL Extra Points Credit Card
  • Priceline Rewards™ Visa® Card
  • Princess Cruises® Rewards Visa® Card
  • RCI® Elite Rewards® Mastercard
  • Upromise® Mastercard®
  • Wyndham Rewards® Earner Card

Barclays co-branded airline cards

Many major airlines have partnered with Barclays to provide credit cards that come with a variety of incentives and perks. Co-branded airline cards are the name given to these types of cards. In spite of Barclays being the credit card issuer, the perks of these cards are usually aligned with the partner firm.

The JetBlue Plus Card, for example, is an excellent choice for JetBlue flyers. Every time you make a purchase, you’ll earn TrueBlue points. In addition, you and up to three friends flying on the same JetBlue ticket will get your first checked bag for free. Each year, you’ll receive a companion voucher with your AAdvantage® Aviator® Red World Elite Mastercard®, making it simpler to fly with a friend or family member. Co-branded airline credit cards are available from Barclays.

  • AAdvantage® Aviator® Red World Elite Mastercard®
  • Emirates Skywards Rewards World Elite Mastercard®
  • Emirates Skywards Platinum World Elite Mastercard®
  • Frontier Airlines World Mastercard®
  • Hawaiian Airlines® World Elite® Mastercard
  • JetBlue Card
  • JetBlue Plus Card
  • Lufthansa Miles & More® World Elite Mastercard®

Other co-branded Barclays cards

Additionally, Barclays collaborates with a number of significant corporations to create co-branded credit cards. In terms of privileges and perks, these cards might range from retail outlets to cruise lines to hotels.

Rewards received on these cards are in line with Barclays’ partnership with the firm. With the Choice Privileges® Visa Signature® Card, you may get free hotel stays by redeeming the points you earn with the card. When using Choice points, you’ll be able to stay at more than 7,000 resorts worldwide. Other Barclays co-branded cards include:

  • Barnes & Noble Mastercard®
  • Carnival World® Mastercard®
  • Choice Privileges® Visa Signature® Card
  • Diamond Resorts World Mastercard®
  • Holland America Line Rewards Visa® Card
  • NFL Extra Points Credit Card
  • Priceline Rewards™ Visa® Card
  • Princess Cruises® Rewards Visa® Card
  • RCI® Elite Rewards® Mastercard
  • Upromise® Mastercard®
  • Wyndham Rewards® Earner Plus Card
  • Wyndham Rewards® Earner Card

Business credit cards from Barclays

Small company owners that use business credit cards get access to a wide range of incentives that may help them manage their businesses more effectively. Your personal and professional costs may easily be separated with the help of the best business credit cards available.

This allows you to concentrate on driving your organization ahead and making financial management less complicated. The following business credit cards are available from Barclays:

  • AAdvantage® Aviator Business® Mastercard®
  • Hawaiian Airlines® World Elite Business Mastercard®
  • JetBlue Business Card

How does Barclays stack up against the competition?

International banking giant Barclays serves tens of millions of customers throughout the world. In the United States, Barclays has become a major player in the financial sector, even though it was founded in the United Kingdom. In today’s banking industry, Barclays competes with American Express, Citibank, and Wells Fargo, among others. Let’s see how they compare to one other.

American Express vs. Barclays

In order to better serve its global clientele, American Express and Barclays both provide online banking options such savings accounts and certificates of deposit (CDs). Because they’re both credit card issuers, they both handle credit card payments differently.

In contrast to Barclays, American Express credit cards use the Amex payment network to handle credit card transactions. Visa, Mastercard, and many other major credit cards are more widely accepted than American Express outside of the United States. Overall, American Express employs more than 64,000 people, whereas Barclays employs more than 85,000.

Citi vs. Barclays

Credit card companies like Barclays and Citi are both banks. MasterCard is the preferred payment network for most Citi credit cards, although Barclays credit cards use both Mastercard and Visa. It’s recommended for travelers to use Mastercard and Visa cards because they’re generally recognized worldwide. Although Barclays has over 85,000 people, Citi has more than 200,000.

Wells Fargo vs. Barclays

Although both Wells Fargo and Barclays serve millions of clients globally, only Wells Fargo has physical locations, whereas Barclays does not have any. Having physical branches isn’t necessary for everyone in today’s environment, since the majority of financial transactions can be completed online with ease.

Visa is the primary payment network used by Wells Fargo credit cards, whereas Mastercard is used by Barclays credit cards. It is therefore possible to use a credit card issued by either of these companies everywhere a credit card is accepted. Compared to Barclays, Wells Fargo has over 200,000 workers, whilst Barclays has just over 85,000 people.

Which Barclays credit card should you choose?

The best Barclays credit card for one person may not be the best card for another. Barclays understands that everyone’s financial goals and spending patterns are unique, which is why they offer a variety of credit cards.

\The Wyndham Rewards Earner Plus Card is one of the top hotel credit cards on the market. After spending $1,000 in the first 90 days, you instantly become a Wyndham Rewards Platinum member and receive a 45,000-point welcome bonus. The points you’ll earn will allow you to take advantage of free nights at Wyndham hotels all around the world.

The AAdvantage® Aviator® Red World Elite Mastercard® offers 60,000 extra miles once you make your first purchase in the first 90 days and pay the yearly fee. On top of that, you and up to four travel companions on the same American Airlines reservation benefit from complimentary travel insurance and priority boarding.

A balance transfer credit card might be helpful in reducing debt. Transferring an existing balance to a new Barclays card and not accruing interest during the introductory period is possible with several of the credit cards offered by the financial institution. Debt reduction without accrual of interest charges is made possible by this clever tactic.

Which Barclays credit card is ideal for you will be determined by your specific needs. The cards described in this article might help you figure out which one best suits your financial situation.

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