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NerdWallet’s Best Barclays Credit Cards of 2019

Feb. 1, 2019
NerdWallet's Best Barclaycard Credit Cards
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A venerable British bank with a history spanning more than 300 years, Barclays only began issuing credit cards in the U.S. in the 21st century — but those cards have already become favorites for many consumers.

Here are the ones that rise to the top.

For travel: Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

Apply Now on Barclays's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate on all purchases, not just bonus categories
    • Sign-up bonus
    • No foreign transaction fee

    Cons

    • Has annual fee
    • Minimum redemption required for travel

    Annual Fees

    $89 (waived first year)

    APR

    • APR: 18.24% - 22.24% APR
    • Cash Advance APR: 27.49%, Variable

    Bonus Offers

    Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days

    Intro APR

    • 0% intro APR for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening
  • Additional Information
    • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
    • Earn unlimited 2X miles on every purchase
    • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
    • Get 5% miles back to use toward your next redemption, every time you redeem
    • No foreign transaction fees
    • International Chip and PIN for use at self-service chip terminals around the world
    • Miles don’t expire as long as your account is open, active and in good standing
    • View Rates and Fees

Why we like it

This card comes with a top-notch rewards rate, a generous sign-up bonus, chip-and-PIN capability, and no foreign transaction fees.

Pros and cons

Pros: In addition to a rich sign-up bonus, this card earns an impressive 2 miles per dollar spent, which can be redeemed for 1 cent apiece as credit against travel expenses. Every time you redeem miles, you’ll also get 5% of them back, giving the card an effective rewards rate of 2.1% when redeeming for credit against travel purchases. It’s also an ideal card to use internationally: It’s chip-and-PIN enabled, which means you can use it at kiosks and parking meters abroad, and it doesn’t charge foreign transaction fees.

Cons: This card’s annual fee is relatively steep when it kicks in: $89 (waived first year). There’s also a minimum redemption of 10,000 miles ($100) for travel statement credit, one of the highest minimums among all cards on NerdWallet.

» MORE: Read our review of the Barclaycard Arrival Plus® World Elite Mastercard®

For balance transfers: Barclaycard Ring® Mastercard®

Barclaycard Ring® Mastercard®

Barclaycard Ring® Mastercard®

Apply Now on Barclays's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • No annual fee
    • Intro APR period on Balance Transfers
    • No foreign transaction fee

    Cons

    • No rewards

    Annual Fees

    $0

    APR

    • APR: 14.24% Variable APR
    • Cash Advance APR: 14.24%, Variable

    Bonus Offers

    None

    Intro APR

    • 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Additional Information
    • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
    • Low 14.24% variable APR on purchases and cash advances
    • No annual fee
    • No foreign transaction fees
    • International Chip and PIN
    • View Rates and Fees

Why we like it

With an introductory 0% balance transfer APR and low transfer fees, the Barclaycard Ring® Mastercard® offers solid value as a balance-transfer card.

Pros and cons

Pros: This $0-annual-fee card comes with a generous introductory 0% APR offer: 0% on Balance Transfers for 15 months on balance transfers made within 45 days of account opening, and then the ongoing APR of 14.24% Variable APR. Balance transfers made within 45 days of account opening (during the intro 0% APR period) incur a fee of 2% or $5, whichever is higher. However, that’s still lower than the typical range of 3% to 5%. And after your account has been opened for 45 days or longer, you won’t have to pay balance transfer fees on transfers at all (although you’ll still have to pay the ongoing balance transfer APR). The card also features an online community, where cardholders can suggest new features and vote on product ideas.

Cons: While some cards offer you an introductory $0 balance transfer fee and an introductory 0% APR period, the Barclaycard Ring® Mastercard® is an either/or proposition. Transfer within 45 days, and you’ll pay a fee but get a 0% period; transfer after 45 days, and you’ll pay no fee but get no 0% period. There’s no 0% intro period for purchases.

» MORE: Read our review of the Barclaycard Ring® Mastercard®