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The Best Barclaycards of 2014

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Looking for the best Barclaycards? While not as popular in the US as they are in Europe, Barclaycard does have a number of cards available to American consumers. Many of them are geared toward travelers and are tied to very specific destinations, but there are a few that will appeal to a wider client base. If you’re not satisfied with products from guys like Chase or Capital One (maybe they’re just too “mainstream”), this collection of cards is worth a look. Here we bring you the very best Barclaycard credit cards available this side of the Atlantic.

Barclaycard Arrival Plus™ World Elite MasterCard®

Barclays Arrival Plus Credit Card
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The Barclaycard Arrival Plus™ World Elite MasterCard® is rather like the Capital One® Venture® Rewards Credit Card: it earns 2 miles on every $1 spent, which can be used for any travel expense whatsoever. And in many respects, it can be even better than the vaunted Capital One® Venture® Rewards Credit Card. It comes with a signup bonus: Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. You’ll also get 5% of your miles back when you redeem for travel. That’s quite a deal. The downside compared to Capital One® Venture® Rewards Credit Card is the Barclaycard Arrival Plus™ World Elite MasterCard®’s annual fee of $89 - Waived first year. But if you’re looking for a solid travel card that’ll earn you consistently great rewards, the Barclaycard Arrival Plus™ World Elite MasterCard® is your card.

The Wyndham Rewards® Visa Signature® Card

Here’s another hotel credit card, but this time with a little more panache. If you like sleeping in style, The Wyndham Rewards® Visa Signature® Card could prove an invaluable travel companion. The base rewards rate is a flat 2X on all purchases. That alone is enough to rake in some serious bonus cash. Purchases at participating Wyndham locations will be eligible for an accelerated 3X rate. The signing bonus is also generous: Earn 12,000 bonus points after your first purchase. The best part? There’s an annual fee of $0!

  • MichaelRC

    Might also wanna check out the rewards calculator at CredìtCardTuneUp. com to see which Barclays card or other cards will pay you the most in rewards for your expenses.

    It looks for the best card combos for you too.

  • Danny

    Hi,

    I’m looking to make a $5,000 purchase, so I’m trying to figure out which card I want to apply for. If I get the Barclay card with the 40,000 reward, would my credit score suffer if I canceled within two years of opening the card? I have a credit score that’s currently over 700.

    Any help would be great. Thanks for this info BTW!

  • Ruth Less

    BEWARE BARCLAY – they do HARD inquiry each time you apply for credit card and won’t do nothing if you ask them to remove those from your credit score

    • Connor M

      So does every other lender…

      • Mendel Simon

        He is saying that they do a pull for EVERY application you put in. With chase you could put in 5 applications and it will only get 1 pull. With Barclay’s, 5 app’s is 5 pulls.

        • Aryeh Hersh

          All banks pull for every application, but if you do 5 in one day it rolls up to one pull on your credit report.

          • Mendel Simon

            That is true. All other banks will roll it into 1 pull but Barclay’s will not.
            If you do 5 apps with Barclay’s it will be 5 pulls on your Trans-Union Report.

          • Aryeh Hersh

            Not true at all. Get your facts straight and stop spreading lies. Barclays rolls up as well.

  • grandpamike1

    I got the Barclaycard this year to make a major purchase at the Apple store, as they have a promo of not charging any interest if you pay it off in 18 months. To my way of thinking, that is free use of money for a year and a half.

    • AgentRez

      Be careful with that – the 0% APR only applies to the Apple purchase. If you make any other purchases with it, any payments you make will be applied to the Apple purchase (payments applied to lowest APR first), and you will pay interest on all other purchases until you pay off the Apply purchase and the other purchases.

  • vacuumation

    What if this was the first credit card you’re opening? I had a bunch of cards open right after college 10 years ago, ended up getting several into collections. Settled later or had them written off with statue of limitations and credit report expiration. As of now, I’m in great shape with every credit rating category EXCEPT the number of accounts. I only have a couple of student loan accounts. So I’m looking at opening a credit card. Should I try applying for cards suited for people with “average” credit (like the Barclays Reward card) or “bad” ones like secured cards?

    • Joshua Bissonette

      The number of accounts doesn’t impact your score all that much. So if you have only a few items on your report, as long as they are in good standing with perfect payment history, you should be able to get a good, unsecured credit card. The barcalay card pulls your Transunion score, so if your all clear on there, then you should be fine. If you get denied for the card, then I would go ahead and get a secured credit card. It seems like you should be in good shape.

      • vacuumation

        Appreciate your reply. I, too, thought that the number of accounts doesn’t have much of an impact on our Credit Score. In fact the breakdown of my score on both CreditSesame and CreditKarma showed that the # of accounts is only about 10% of a factor in computing the score. But that’s why I was surprised to see both TransUnion and Equifax suddenly in the last few months reduce my score from almost 700 (“good”) to now around 650 (“fair”). They’re apparently using a new algorithm in coming up with what they call the VantageScore that makes our score more in sync across the 3 rating agencies. Either way, it shows an ‘A’ rating for every metric category EXCEPT for this # of accounts thing. It looks like someone who doesn’t have any credit history at all, so I can understand that they’d want to see me build up a card on my record. I just worry about what kind of card to apply for, as a “fair” rating puts me on the fence for a lot of decent cards. The secured ones offered don’t appeal to me because of the Annual Fee, as well as the high APR. I only want to open one, and right now I’m thinking of the Barclaycard although reviews seem to imply that they will not approve you if you have some charge-offs in your history. I’d hate to be rejected like that and have a ‘hard’ inquiry make a dent on my record.

        • Guest

          If you have chargeoffs on your Transunion report, I wouldn’t apply for the barcalay card. There is a strong chance they will deny you. I wouldn’t take the gamble. It sounds like a secured card is the way to go. I was just in your situation not to long ago and had to start there too. Otherwise, you could try Credit One, those cards unsecured, but because they are easy to get, the interest rate is not good.

        • Joshua Bissonette

          If you have chargoffs on your Transunion report, I wouldn’t apply for the barcalay card. There is a good chance you will get denied. I was in your situation not to long ago and started my credit history back with an unsecured card from NFCU. I highly recommend getting an unsecured card if you don’t want to take the gamble of applying and getting denied. Otherwise, if you insist on an unsecured card, Credit One is an easy card to get, but because it’s easy to get, the interest rate will be pretty high.

          • vacuumation

            A high interest rate doesn’t really bother me at this time because I don’t plan on keeping a balance that will be carrying-over every month. Figure I’ll link it to one or two monthly utility bills, and pay it in full, as my bank account automatically transfers the funds accordingly. In regards to my previous charge-offs, those came about over 10 years ago when I was still in college and are pretty much clear from my current report. But you are probably right. What do you think of the Chase Freedom card? I’ve heard it’s fairly easily to be accepted and has really nice benefits with no annual fee.

          • Joshua Bissonette

            The Chase Freedom card is one of my favorites because of their generous rewards program. Since those chargeoffs are gone, your probably good to go!

          • dd

            i like Freedom but only got it in Jan with a low 500 limit. Any tips on getting a CLI Increase?

          • Joshua Bissonette

            Just keep your balance below 30% (>$150) for at least six months. If all else is good on your credit report you can ask for a CLI after that period of time. Good luck!

  • dd

    i applied for this card twice last year and was denied. I have a few old charge offs from 6 years ago which will fall off soon. Score is around 650. I believe Barclays wont issue credit until old chargeoffs are paid or disappear.

    Ive been rebuilding the last 2+ years with 2 Cap one Quicksilver cards which were upgraded and now have 3K limits on each. In January, I added the USAA Classic Platinum and Chase Freedom. i love freedom card but have a low limit. these companies like me while Discover & Barclays wont budge with unpaid chargeoffs.

  • dd

    Cap One does Soft Pulls for CLI. You can do it as many times as you want, but they usually wont change your CLI more than once in a 6 month span

  • John Bolduc

    I would like an application for the Carnaval Cruise credit card

  • Sam

    The Barclay card’s fine print indicates I get 2 points for every dollar spent on “retail purchases”. In their FAQs, it states 2 points for every dollar on any purchase. If I donate money to an org using a Barclay credit card, will I get points on it?