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. Apply Here
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.
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.
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.
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.
The Barclaycard® Rewards MasterCard® - Excellent Credit card includes a 0% Introductory APR for 12 months on purchases and balance transfers. 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.
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.
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.
|Introductory Rate (APR)0% for 12 months|
|Standard Rate (APR)14.99% - 24.99%* Variable|
|Cash Advance Rate (APR)25.24%|
|Cash Advance Fee$10 or 5% Per Cash Advance|
|Foreign Currency Transaction Fee3% Per Transaction|
|Late Payment FeeUp to $35|
|Returned Payment FeeUp to $35|
|Minimum Interest Charge$2|
|Default Penalty Rate (APR)30.24%|
|Introductory Balance Transfer Rate (APR)0% for 12 months|
|Standard Balance Transfer Rate (APR)14.99% - 24.99%* Variable|
|Standard Balance Transfer Fee$10 or 4% Per Transfer|
|Type of RewardPoints|
|Sign-Up Bonus10,000 points equal to up to $100 after spending $1,000 or more in purchases in the first 90 days|
|Rewards Earnings for All Purchases1 point per $1|
|Additional Rewards for DiningNone|
|Additional Rewards for Gas2 points per $1|
|Additional Rewards for Groceries2 points per $1|
|Additional Rewards for ShoppingNone|
|Additional Rewards for TravelNone|
|Bonus Points OfferedNone|