The Barclaycard® Rewards MasterCard® - Excellent Credit card is a points-based rewards card with no annual fee and an easy-to-earn sign-up bonus. With bonus rewards associated with gas, groceries, and utilities, the card is a great option for everyday purchases.
A sign-up bonus is a great way to earn quick rewards. Generally speaking, sign-up bonuses require that the new cardholder spend a certain amount of money in the first few months of card ownership. These bonus requirements can be a stretch for many budgets. With the Barclaycard® Rewards MasterCard® - Excellent Credit card you can earn 10,000 Bonus Points after spending $1,000 on qualifying transactions in the first 90 days of account opening - enough for up to $100 cash back.
No annual fee:
The Barclaycard® Rewards MasterCard® - Excellent Credit card does not charge an annual fee. Many rewards credit cards require an annual fee, with some reaching as much as $175. With regular card usage, reward redemption often compensates for this fee; however, finding a rewards credit card with a quality rewards program and no annual fee is always a nice bonus.
Numerous ways to earn bonus rewards:
Some rewards cards offer few ways to accumulate bonus rewards. The Barclaycard® Rewards MasterCard® - Excellent Credit card offers well-rounded bonus options with two points for every dollar spent on gas, groceries, and utility purchases. You also receive one point everywhere else. You can use the points you earn like cash to pay for almost any purchases you've made. In addition, there are no blackout dates, no redemption fees, no limits on the points you can earn and no complicated set up.
Complimentary FICO® Scores:
The Barclaycard® Rewards MasterCard® - Excellent Credit card offers complimentary FICO® Scores as a benefit to active cardmembers. You can opt-in to have instant access to FICO® Scores from your Barclaycard online account.
Solid introductory rates:
The Barclaycard® Rewards MasterCard® - Excellent Credit card includes a 0% Introductory APR for 18 months on balance transfers and purchases. Many rewards cards include introductory rates, but very few offer the 0% for as long as this card. It is important to note that the offer is for customers with excellent credit, if your credit score needs improvement, it might be best to look at other rewards cards.
Card must remain active to keep rewards:
It used to be common for rewards credit cards to limit rewards with blackout dates or other stipulations. The best rewards credit cards have largely moved away from these types of limitations, but it is still something that you should pay attention to. The Barclaycard® Rewards MasterCard® - Excellent Credit card allows you to earn unlimited points with no blackout dates and no expiration as long as the account is active. Unfortunately, a credit card not used in three months can potentially be labeled inactive and cause you to lose your rewards.
Foreign currency transaction fees:
The vast majority of rewards credit cards have done away with foreign currency transaction fees. However, the Barclaycard® Rewards MasterCard® - Excellent Credit card charges 3% for every foreign currency transaction. This may not come across as very threatening, but if you travel internationally on a regular basis, these charges can add up.
Rates and Fees
Standard Rate (APR)
14.99% - 19.99%* (Variable)
Introductory Rate (APR)
0% for 18 months
Foreign Currency Transaction Fee
3% per transaction
Cash Advance Rate (APR)
Cash Advance Fee
$10 or 5% per cash advance
Minimum Interest Charge
Default Penalty Rate (APR)
Late Payment Fee
Up to $35
Returned Payment Fee
Up to $35
Introductory Balance Transfer Rate (APR)
0% for 18 months
Standard Balance Transfer Rate (APR)
14.99% - 24.99%* Variable
Standard Balance Transfer Fee
$10 or 4% per transfer
Additional Rewards for Dining
Additional Rewards for Gas
2 points per $1
Additional Rewards for Groceries
2 points per $1
Additional Rewards for Shopping
Additional Rewards for Travel
Bonus Points Offered
Rewards Earnings for All Purchases
1 point per $1
10,000 points equal to up to $100 after spending $1,000 or more in purchases in the first 90 days
Type of Reward
Offers Companion Reward - The airline credit card offers a companion airfare reward.
Additional 2:1 Rewards Categories - The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.
No Blackout Dates - There are no blackout travel dates for your points, miles, or cash back rewards.
No Expiration - Your rewards points, miles, or cash back rewards will never expire.
Sign-Up Bonus - The credit card offers a sign-up bonus reward.
Unlimited Rewards - You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.
2:1 Rewards or More - The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.
Bonus Points Offered - The credit card offers bonus points you can earn throughout the year.
Early Boarding - You receive priority boarding benefits as an owner of the credit card.
First Bag Free - Your first checked bag is free.
In-Flight Spending Bonus - You receive a discount or additional bonus points on all in-flight expenditures.
24/7 Live Service - You can speak with a live representative at any time of day about your credit card.
Emergency Support - The credit card offers emergency support.
Exclusive Events - You have access to exclusive events with the credit card.
Fraud Liability - The credit card offers fraud liability protection.
Price Protection - You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.
Purchase Security - You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.
Partner Point Transfer - You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.
Book in Someone Else's Name - You can use your airline rewards to book a trip in someone else's name.
Redeem for Airline Travel - Rewards can be redeemed for airline travel.
Redeem for Cash Back - Rewards can be redeemed as cash back or statement credit.
Redeem for Gift Cards - Rewards can be redeemed for gift cards.
Redeem for Merchandise - Rewards can be redeemed for merchandise.
Redeem Online - You can redeem your points, miles, or cash back rewards online.
Redeem on Other Airlines - Rewards can be redeemed for airline travel on other airlines.
Redeem for Car Rental - Rewards can be redeemed for car rental.
Redeem for Hotel - Rewards can be redeemed for hotel stays.
Redeem for Other - Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.
Apply By Phone - You can complete the credit card application process via phone.
Apply In Person - You can apply for the credit card live in person.
Apply Online - You can complete the entire credit card application process online.
Instant Approval - You can get instant approval for the credit card.
Introductory Balance Transfer Rate (APR) - The credit card offers an introductory balance transfer rate (APR).
No Introductory Balance Transfer Fee - The credit card doesn't charge a percentage fee on the new balance transferred to the card.
Transfer from Credit Cards - You can transfer a balance from another credit card.
Transfer from Loans - You can transfer a balance from a loan to the credit card.
Car Rental Insurance - The credit card offers car rental insurance.
Flight Insurance - The credit card offers flight insurance.
Lost Luggage Insurance - The credit card offers lost luggage insurance.
Roadside Assistance - The credit card offers roadside assistance.
Travel Insurance - The credit card offers travel insurance.
Extended Warranty - The credit card offers an extended warranty on purchases.
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