Many of you may not be familiar with Barclays credit cards in the US since they are relatively new entrants to the market here. Launched in the US in 2004, Barclaycard is part of the Barclays Group that traces its roots to the UK, and is one of the most stable financial institutions in the world with a history of more than 300 years. Since Barclaycard came up top 3 in the US credit card satisfaction survey by JD Power in 2011, and offers more than 60 different credit cards in the US, I thought it's time I do some research on some of its most popular cards, and present to you some of their best offerings in terms of rewards programs as well as long introductory APR promotions.
Almost all Barclays credit cards offer introductory APR on balance transfers and many of them also offer intro APR on purchases, or low ongoing interest rates. It has both MasterCard and Visa cards, and also partners with several airlines such as US Airways, Lufthansa and Frontier Airlines, all of which offer rewards and additional points or miles when you make airline purchases with your card.
Here are our best rated Barclays credit cards so that you can choose which card appeals to you the most:
Barclaycard Arrival Plus™ World Elite MasterCard®. Receive 40,000 bonus miles when you spend $3,000 within the first 90 days of account opening. Earn 2 miles for every dollar you spend. Earn 10% miles back of the miles you redeem for travel statement credits. You can earn unlimited miles that can be redeemed for gift cards, merchandise and statement credit. 0% intro APR for 12 months on balance transfers made within 45 days of account opening, 14.99% or 18.99% variable APR thereafter, based on your credit worthiness. No foreign transaction fees. $89 annual fee waived for the first year.
Read our review of the Barclaycard Arrival Plus™ World Elite MasterCard®.
Barclaycard® Rewards MasterCard®. You will earn 2 points per dollar spent on gas, utility and grocery purchases, and 1 point for every other dollar in purchases. You can earn unlimited points which you can redeem for anything without paying any fee, and points do not expire. The points you earn with this card can be redeemed for purchases, dining, travel, and much more. Free FICO® Credit Score for active cardmembers and monthly reporting to the 3 major credit bureaus. This card has no annual fee.
Read review of Barclays Rewards card here.
Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers. With this card, you will enjoy an 8% variable APR on purchases and balance transfers all year round. This is a very low APR that’s very hard to find in the market right now. If you do a balance transfer, there's no fee for it and (for balance transfers made in the first 60 days after account opening) you get 1% of each balance transfer back as statement credit. Earn additional money through the Giveback program, in which you’ll receive cash back for positive credit card performance. You also have the option of donating this cash back to charity completely tax-free. No annual fee.
Read review of Barclays Ring card here.
NFL Extra Points Credit Card. Receive 10,000 bonus points after you spend $500 within the first 90 days (can be redeemed for $100 cash back statement credit). Earn 2 points per $1 spent on eligible NFL or team purchases and 1 point per $1 you spend on purchases elsewhere. Enjoy 20% discount at NFL's online store. You can earn unlimited points that can be redeemed for VIP NFL experiences, game tickets, statement credit and so on. You'll also enjoy additional benefits such as 0% promotional APR for 6 months on ticket purchases from NFL Team ticket offices (14.99%, 19.99% or 24.99% variable APR based on creditworthiness thereafter), travel accident insurance, auto rental collision damage waiver, extended warranty, purchase security, and much more. No annual fee.
Read our detailed review of all NFL credit cards here. You could also get an NFL card of your favorite team!
To see our full selection of Barclaycard credit cards click here.