Barclays Credit Cards

Barclays is one of the most powerful transnational organizations in the world, a financial powerhouse that has more of an influence over global economic stability than any other bank. It began as a goldsmith toward the end of the 17th century and today it is one of the biggest providers of banking services, credit cards and more all over the world.

In this guide we will look at the best Barclays credit cards available in 2018, helping you to choose the card that suits you and your financial situation the most.

Barclays Arrival World Elite Card

This is currently the best rewards card offered by Barclays. It is a travel rewards card that offers respectable rates (for a card of its type) and lets users build up a lot of air miles in a very short space of time.

There are two versions of his card, the Premier and the Plus. The Premier does not offer a rewards bonus and charges $150 a year, but it is free for the first year and offers some other benefits. The Plus card offers 60,000 miles as a bonus (when you spend $5,000) and has a 12 month 0% balance transfer rate, but it charges $89 a year and this is not waived for the first year.

Both of these cards are similar in regards to the APRs and the rewards.

What You Need to Know

  • APR of between 17.74% and 24.74%.
  • 2 miles for every $1 spent on all purchases.
  • Range of VIP travel benefits and perks.
  • $100 Global Entry credit.
  • No foreign transaction fees.
  • Cash advance APR is 26.99%.
  • Cash advance fee of 5%.

Barclaycard Ring MasterCard

Barclays Cards

This is a great credit card that doesn’t require a great credit rating. Anyone with a score of “good” and above shouldn’t have any issues being accepted for this Barclaycard, and you may even stand a chance if you have a score toward the lower end of “good” or the higher end of “fair”.

Just don’t hold us to that.

The Barclaycard is not a rewards card and if your intent is to pay off your credit card every month and to never accumulate interest, then it’s probably not the right card for you. But if you actually need credit and you plan on dipping into the red, then it could be.

The average APR on a rewards card is 25%, but the APR on the Barclaycard Ring MasterCard is just 13.74%. That’s a huge difference, and one that more than makes up for the lack of rewards.

So while you won’t get occasional cash back, air miles and gift certificates, you will get a credit card that takes less money out of your pocket at the end of every month. If you’re heavily in debt and clamoring to save as much as you can, that’s all that matters.

What You Need to Know

  • APR of 13.74%.
  • No annual fee.
  • 23 day grace period.
  • No introductory APR on purchases.
  • 0% intro APR for 12 months on balance transfers made within first 45 days.
  • No foreign transaction fees.

Barclays Lufthansa Credit Card

Lufthansa are a German airline and this is an airline credit card that offers an array of benefits.

This Barclays credit card also gives you air miles every time you spend and these can be used to purchase flights or in-flight purchases with Lufthansa, who fly to many locations around the world. And if they don’t have the flight you need you can just book with one of their many partners.

You can get 20,000 bonus points when you make an initial purchase or transfer and you can get a further 30,000 points when you spend $5,000 in the first three months. After that you can earn 2 miles for every $1 you spend on flights and 1 mile for every $1 that you spend elsewhere. The total value of each mile is $0.014 and they last for a total of 36 months.

You can also get a companion ticket every year. This basically entitles you to a free flight when you purchase a flight, effective allowing you to take a friend or family member with you without paying full price. You will need to pay taxes and fees though and in some cases these will cost just as much as a full ticket would cost with a budget airline.

There have also been some customers complaining that they were not able to redeem their companion ticket and that they didn’t get any help from customer support. This is worrying, but it’s the only blight on what is otherwise a very solid rewards card from a very respectable bank and airline.

What You Need to Know

  • Get travel savings, bonuses and perks.
  • APR between 17.74% and 26.74%.
  • Annual fee of $89.
  • No introductory purchase APR.
  • 0% introductory balance transfer APR (for 15 months).
  • No foreign transaction fee.
  • Cash advance APR of 26.99%.

Barclays Black Card

Barclays Credit Card

The MasterCard Black Card is offered by Barclays and is one of the more exclusive credit cards that they have, but it also one of the worst.

The “black card” has become a status symbol in recent years, with rumors suggesting that it is a favorite of celebrities and offers them all kinds of amazing benefits. This may be true, but it’s not the MasterCard Black Card that’s at the heart of these rumors.

The actual black card is offered by American Express and was discussed in our guide to Premium Cards. At best, this is a poor alternative that just doesn’t provide users with enough benefits to make it worth their while.

This was supposed to be an article on the best Barclays credit cards out there, but we wanted to include this to balance things out and show you that it pays to read the small print. This card comes with an annual fee of $495! It does have some cool features, but that’s a hefty fee and it takes a lot of spending and a lot of rewards points to offset this fee.

What You Need to Know

  • 16.74% APR.
  • $100 Global Entry credit.
  • Access to VIP lounges around the world.
  • Introductory APR on balance transfers.
  • Concierge service.
  • Card is made of stainless steel and carbon.