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NerdWallet’s Best Barclaycard Credit Cards of 2017

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NerdWallet's Best Barclaycard Credit Cards

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Barclaycard has been issuing credit cards in the U.S. for only a little over 10 years, but they’ve already become favorites for many consumers.

Barclaycard is one of the few issuers to offer 0% APR and waived fees to active-duty military personnel. The issuer also offers redemption bonuses on some cards and boasts one of the best flat-rate travel cards on NerdWallet, the Barclaycard Arrival Plus® World Elite Mastercard®.

To find the best offers available, we surveyed Barclaycard’s credit cards and compared annual fees, rewards rates and other factors. Here are the three cards that earned top marks.

Best for travel: Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now on Barclaycard's secure site
  • Recommended Credit Score
  • 720
    850
    Excellent
  • Card Details
  • Pros

    • High rewards rate on all purchases, not just bonus categories
    • Sign-up bonus
    • No foreign transaction fee
    • Annual fee waived in first year

    Cons

    • Has annual fee
    • Requires excellent credit
    • No luxury perks

    Annual Fees

    $0 for the first year, then $89

    APR

    • APR: 17.24%, 21.24% or 24.24% Variable APR
    • Cash Advance APR: 26.49%, Variable

    Bonus Offers

    Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase

    Intro APR

    • 0% on Balance Transfers for 12 months (on balance transfers made within 45 days of account opening)
  • Additional Information
    • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem
    • Miles don't expire as long as your account is open, active and in good standing
    • No foreign transaction fees on purchases made while traveling abroad
    • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24%% or 24.24%, based on your creditworthiness. There is a fee for balance transfers.

Earn 2 miles per dollar spent on any purchase and get a 5% bonus when you redeem your rewards. The annual fee is $0 for the first year, then $89.

Benefits of the Barclaycard Arrival Plus® World Elite Mastercard®

  • Comes with a generous sign-up bonus: Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase.
  • Offers a 5% redemption bonus, giving it an effective rewards rate of 2.1%, one of the highest earn rates among flat-rate travel cards on NerdWallet.
  • Rewards can be redeemed as travel statement credit and used to cover airfare, hotel stays, car rentals, train fare and taxis, among other expenses.
  • Comes with chip-and-PIN capability and no foreign transaction fees.

Drawbacks of the Barclaycard Arrival Plus® World Elite Mastercard®

  • Annual fee is relatively steep.
  • Has a minimum redemption of 10,000 miles for travel statement credit, one of the highest among all cards on NerdWallet.

The bottom line

Among all flat-rate travel credit cards on NerdWallet, the Barclaycard Arrival Plus® World Elite Mastercard® offers one of the highest earn rates. Its flexible rewards also make it an excellent choice for families who travel together and people who book trips through budget travel websites. But the high minimum redemption might be a deal-breaker for some.

Best for cash back: Barclaycard CashForward™ World Mastercard®

Earn 1.5% cash back on all purchases, plus a 5% bonus when you redeem your rewards. The annual fee is $0.

Benefits of the Barclaycard CashForward™ World Mastercard®

  • Comes with a decent sign-up bonus: Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Offers a 5% redemption bonus, giving it an effective rewards rate of 1.575%.

Drawbacks of the Barclaycard CashForward™ World Mastercard®

  • Has a minimum redemption of $50, one of the highest among cash-back credit cards on NerdWallet.
  • Marketed to people with excellent credit, but offers fewer rewards than other cash-back cards, such as the Citi® Double Cash Card – 18 month BT offer.

The bottom line

The Barclaycard CashForward™ World Mastercard® isn’t the most rewarding cash-back credit card available. But if you’re looking for decent cash-back rewards from Barclaycard and you have excellent credit, this is your best bet.

Methodology

We surveyed Barclaycards in each category, weighing different attributes for each group. For travel credit cards, we consider the sign-up bonus, the annual fee, rewards rates for travel purchases, redemption flexibility, point value, foreign transaction fees, acceptance rates and notable extras. For fair credit credit cards, we consider the annual fee, rewards rate, access to financial literacy resources, APR and notable extras. For cash-back credit cards, we consider sign-up bonus, annual fee, annual value of cash back if all the bonus categories were maxed out, the cash back program, the simplicity of the rewards and notable extras.

Last updated Dec. 31, 2016. 

Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7.


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