Type of Barclays bank Credit card and benefits

Barclays Bank offers a diverse range of credit cards to cater to the financial needs and preferences of different individuals and businesses. Whether you are looking for rewards, cashback, travel perks, low interest rates, or credit building opportunities, Barclays Bank has a credit card option for you

Whether you’re new to credit, want to manage your money better or you’re looking for rewards, the bank got a range of cards that could help you get your dream come through.

We will explore the various types of Barclays Bank credit cards available, highlighting their features, benefits, and how to choose the right one that aligns with your specific requirements.

Also read: How to Register for barclays bank online banking and mobile app

Barclays Bank offers a variety of credit cards to meet different needs and preferences. Some of the types of credit cards offered by Barclays Bank include:

Benefits

Overall, Barclays Bank credit cards offer a range of benefits to suit different lifestyles and spending habits. Whether you’re looking for cash back rewards, travel perks, or a low APR, Barclays has a card for you.

With competitive rewards programs, introductory offers, and top-notch customer service, Barclays credit cards are a great choice for those looking to make the most of their spending.

Type of Barclays bank Credit card

1. Rewards credit cards

One popular choice is the Barclays Rewards card, which allows cardholders to earn points on every purchase that can be redeemed for statement credits, gift cards, travel, and more. This card also offers a 0% introductory APR for the first 15 months on balance transfers and purchases, making it a great option for those looking to save on interest charges..

You et cashback on new, eligible purchases made with Barclaycard Rewards, or you can collect Avios to spend on flights, hotels and more with Barclaycard Avios credit cards. It has 80.1% APR Representative (variable)

i. Barclaycard Avios Plus

The  Avios Plus credit card is a premier option for frequent travelers who want to maximize their rewards and benefits. With the ability to earn Avios points on every purchase, cardholders can quickly accumulate points that can be redeemed for flights, upgrades, travel experiences, and more

If you’re new to Barclaycard, you’ll collect 25,000 Avios if you spend £3,000 in your first three months.

Collect 1.5 Avios for every £1 you spend on eligible purchases, for a £20 monthly fee

Spend £10,000 on your card within 12 months and choose between a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7,000 bonus Avios.

Airport lounge membership – access to over 1,000 airport lounges worldwide at a discounted rate of £18.50 per lounge pass, per person

ii. Barclaycard Avios

The Barclaycard Avios credit card is a popular choice among frequent travelers and points enthusiasts for its generous rewards program and travel benefits. With this card, cardholders can earn Avios points on their everyday purchases, which can be redeemed for flights, hotel stays, and other travel perks.

The card also offers an attractive sign-up bonus, as well as additional benefits such as travel insurance, no foreign transaction fees, and airport lounge access. Overall, the Barclaycard Avios credit card is a valuable tool for anyone looking to maximize their travel rewards and make the most of their spending.

If you’re new to Barclaycard, you’ll collect 5,000 Avios if you spend £1,000 in your first three months.

Collect 1 Avios for every £1 you spend on eligible purchases1, with no monthly fee

Spend £20,000 on your card within 12 months and choose between a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7,000 bonus Avios

 

iii.Barclaycard Rewards card

The Barclaycard Rewards credit card is an excellent option for those looking to earn rewards on their everyday purchases. With this card, users can earn points on every dollar spent, which can be redeemed for a variety of rewards such as travel, merchandise, or cash back.

Additionally, cardholders can enjoy perks such as no annual fee, introductory 0% APR on balance transfers and purchases, and access to personalized offers and discounts. With its flexible rewards program and generous benefits, the Barclaycard Rewards credit card is a great choice for individuals looking to maximize their spending power and earn valuable rewards in return.

You get 0.25% cashback on your everyday spending
No fees abroad – you’ll be able to withdraw cash from a cash machine, buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate

 

2. Purchase offer credit cards

Barclaycard Purchase offer credit cards are an excellent option for individuals looking to make large purchases and spread out their payments over time without accruing high-interest fees.

These credit cards typically come with a 0% introductory APR period, allowing cardholders to make purchases without incurring interest charges for a set period of time. This can be particularly beneficial for individuals looking to make a significant purchase, such as a new appliance or furniture, and pay it off over several months.

The card Purchase offers often come with rewards programs, helping cardholders earn cashback or points on their purchases. Overall, Barclaycard Purchase offer credit cards are a useful financial tool for responsible spenders looking to make big purchases without breaking the bank.

purchase cards let you make purchases without paying any interest on the balance for a certain period. This means you can buy today, and spread the cost over time. it has 28.9% APR Representative (variable)

i. Barclaycard up to 21 month purchase Platinum card

  • 0% interest on purchases, for up to 21 months after you open your account
  • 0% interest on balance transfers for up to 20 months, which starts on the date you open your account (a 3.45% fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer

 

Also read: How to apply for barclays bank credit card

3. Credit building credit cards

Barclaycard credit building credit cards are a valuable tool for individuals looking to improve their credit score. These cards are specifically designed for those with limited or poor credit history, offering lower credit limits and higher interest rates to mitigate the risk for the lender.

By using a  credit building credit card responsibly, individuals can demonstrate their ability to manage credit effectively and gradually increase their credit score over time.

It offers helpful resources and tools to track credit improvement progress and provide educational materials on smart credit habits. Overall,  credit building credit cards are a great option for those looking to rebuild or establish credit in a responsible manner.

If you’re looking to improve your credit score or start building one from scratch, this cards could help to build credit and improve credit scores..

It has 33.9% APR Representative (variable)

1.Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open your account
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction

 

4. Balance transfer credit cards

If you’re paying interest on credit or store cards, you could consolidate what you owe with one of our balance transfer cards. This a card designed for consolidating credit card debt, offering an introductory 0% APR on balance transfers for a specified period.

1.Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open your account
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction

ii. Barclaycard up to 20 month balance transfer and up to 21 month purchase Platinum card (a transfer fee applies)

  • 0% interest on purchases, for up to 21 months after you open your account
  • 0% interest on balance transfers for up to 20 months, which starts on the date you open your account (a 3.45% fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer

iii. Barclaycard Platinum up to 12 month balance transfer card (no transfer fee applies)

  • 0% interest on balance transfers for up to 12 months, which starts on the date you open your account (no transfer fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • 0% transfer fee on each balance transfer made. Terms and conditions apply
  • 0% interest on purchases for up to 3 months from the date you open your account

FAQs

1. What are the eligibility requirements for applying for a Barclays Bank credit card?

To apply for your first credit card you need to:

  • be over 18
  • be earning over £3,000 a year
  • be in employment
  • have not been made bankrupt in the last six years – including having an Individual Voluntary Arrangement or Debt Relief Order
  • have less than one outstanding County Court Judgement (CCJ’s) in the last six years
  • have proof of address if you’ve moved house recently
  • have not recently missed a bill payment

 

2. Can I have more than one Barclays credit card at a time?

There’s no set limit, and there’s no one answer since financial needs vary from individual to individual. However, if you’re weighing up whether or not to add a card or two, there’s a number of things to bear in mind.

3. How can I maximize the rewards and benefits offered by my Barclays credit card?

Owning a Barclaycard is the ability to earn rewards and cashback on everyday purchases. This can help cardholders save money and earn valuable rewards that can be redeemed for travel, shopping, or other perks.

You should consider whether a credit card suits you before you apply, including its features, fees and charges.