Comparing Barclays Credit Card Offers
Barclaycard U.S., part of the U.K.-based Barclays portfolio, offers a range of competitive cards ideal for the world traveler. With PIN security technology, a rarity among major American-issued cards, and an industry-leading no foreign transaction fee offer, these cards can be great for foreign travel. Here, we look at:
- Best Barclays credit cards
- What is Barclays?
- Barclays rewards program and best redemption options
Best Barclays credit cards of 2018
Barclaycard Ring® Mastercard®
No sign-up bonus, no ongoing rewards, but you'll still love this card for its no foreign transaction fee, no annual fee and 15-month 0% intro APR for balance transfers made within the first 45 days of opening your account. After that, a variable 13.99% APR will apply.
Why we like this card – The Barclaycard Ring is one of only a few cards with no balance transfer fee, although it's a little squirrely. Here's how it works: There are no balance transfer fees on any balance transfers that post to your account after 45 days of account opening. This can save you hundreds of dollars, depending on your balance. (If you post before, then it's $5 or 2%, whichever is greater.) Although you'll miss out on the 0% offer if you wait 45 days, this card's ongoing variable APR rate of 13.99% is something to appreciate.
Barclaycard Arrival® Plus World Elite Mastercard®
The Arrival Plus offers 2X miles on all purchases as well as a boosted 60,000 miles (this card has offered as low as 40,000 miles in the past) after a $5,000 spend within your first 90 days of opening your account and paying the annual fee. You also get 5% miles back toward your next redemption. There's an $89 annual fee.
Why we like this card – With 2X miles across the board, this card is outstanding for the traveler who doesn't want to think about the when, where and how much of spending. Also, with a lower annual fee, there is a lower threshold for when you begin to profit.
What is Barclays?
Banking giant Barclays is steeped in history with ties to dozens of banks throughout the last 325 years. The bank even has an extensive historical archive, with the oldest artifact dating back to 1567.
The U.K.-based company's cards are known for their travel-friendly features, such as chip and PIN capability, which allows you to use the card at automated travel kiosks, such as at train stations. This is a must for traveling in Europe, because a number of major American cards don't offer the PIN feature.
Barclaycard is also known for its no foreign transaction fees, such as on the Barclaycard Arrival Plus card.
Overview of Barclays rewards program and best redemption options
You can redeem your miles at 1 cent when you trigger a reimbursement through the Barclays travel portal for any travel purchases you've made with the card. There's a 10,000-mile minimum, or $100. So, you can earn 3% cash back when redeeming for travel for your first $25,000 in spend, assuming you'll meet the threshold and trigger the bonus miles, according to TPG.
You can also redeem for cash back, merchandise and gift cards, although the redemption value can be as low as half a cent per mile, half what you get for travel redemption.
Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at firstname.lastname@example.org and on Twitter @creditcards_lm.