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Date Reviewed: September 17, 2020
Emirates Skywards Premium World Elite Mastercard®
- Regular Purchase APR 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $499
- Credit Needed Excellent , Good
- Processing Network Mastercard
Best Benefits
- Earn up to 3 Skywards Miles per dollar spent
- Earn unlimited Skywards Miles that don't expire
- Enjoy Emirates Skywards Gold tier membership during your first year
- No foreign transaction fees
- Complimentary lounge access to Emirates Business Class lounges worldwide for a cardmember and a guest
- Earn 50% bonus Skywards Miles on Emirates flights
Rates & Fees
- Regular Purchase APR: 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $499
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: September 17, 2020
Emirates Skywards Rewards World Elite Mastercard®
- Regular Purchase APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $99
- Credit Needed Excellent , Good
- Processing Network Mastercard
Best Benefits
- Earn up to 3 Skywards Miles per dollar spent
- Earn unlimited Skywards Miles that don't expire
- Unlimited access to over 1,200 lounges worldwide for you and a guest with Priority Pass Select
- No foreign transaction fees
- Earn 25% bonus Skywards Miles on Emirates flights
Rates & Fees
- Regular Purchase APR: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: January 29, 2020
Diamond Resorts World Mastercard®
- Regular Purchase APR 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for 6 months from account opening date on timeshare down payments
- Processing Network Mastercard
Best Benefits
- 2X points on purchases from Diamond Resorts
- 1X points on all other net purchases
- 500 points for every $2,000 spent
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date on timeshare down payments
- Regular Purchase APR: 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
- Balance Transfer APR: 15.74%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 of 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 01, 2019
Wyndham Rewards® Visa® Card
- Regular Purchase APR 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date for all Wyndham Timeshare Purchases
- Processing Network Visa
Best Benefits
- Earn a free night stay starting at 7,500 points at Wyndham Rewards hotels
- 3X points per $1 spent on eligible Wyndham purchases
- 2X points per $1 spent on eligible gas, utility and grocery store purchases
- 1X points per $1 spent on all other purchases
- Automatic Wyndham Rewards GOLD membership status
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date for all Wyndham Timeshare Purchases
- Regular Purchase APR: 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
- Balance Transfer APR: 15.24%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $37
Credit Card Deals
- Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
- 10% off museum entry - Offer Expires on December 31, 2020 - See Details
- Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
- Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
- Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
- Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
- View All Deals -
Date Reviewed: August 01, 2019
Upromise® Mastercard®
- Regular Purchase APR 14.99%, 19.99%, 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.99%, 19.99%, 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
Best Benefits
- Earn 1.25% cash back on every purchase
- Purchases are rounded to the nearest dollar to earn extra cash back
- Complimentary ShopRunner membership
- No annual fee
Rates & Fees
- Regular Purchase APR: 14.99%, 19.99%, 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
- Balance Transfer APR: 14.99%, 19.99%, 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: August 01, 2019
RCI® Elite Rewards® Mastercard®
- Regular Purchase APR 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
Best Benefits
- 5X Rewards for every $1 spent on all eligible RCI purchases
- 2X Rewards for every $1 spent on all eligible travel purchases
- Redeem rewards for RCI Member Rewards credit, cash back, or travel
- Get 5% Rewards back every time you redeem points
Rates & Fees
- Regular Purchase APR: 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
- Balance Transfer APR: 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 25.24% based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: August 01, 2019
Princess Cruises Rewards Visa® Card
- Regular Purchase APR 13.99%, 18.99% or 23.99%, based on your creditworthiness and the Prime Rate
- Balance Transfer APR 13.99%, 18.99% or 23.99%, based on your creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
Best Benefits
- Earn 10,000 bonus points after you use your card for the first time
- 2X points per $1 spent on all Princess purchases
- 1X point per $1 spent on all other purchases
- Redeem points for cruise rewards, onboard credits, special on board amenities and discounted airfare
Rates & Fees
- Regular Purchase APR: 13.99%, 18.99% or 23.99%, based on your creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 13.99%, 18.99% or 23.99%, based on your creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/AR
Credit Card Deals
- Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
- 10% off museum entry - Offer Expires on December 31, 2020 - See Details
- Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
- Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
- Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
- Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
- View All Deals -
Date Reviewed: August 01, 2019
NFL Extra Points Credit Card
- Regular Purchase APR 15.99%, 20.99% or 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99%, 20.99% or 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date on NFL Team Ticket Purchases
- Processing Network Visa
Best Benefits
- 2X points on NFL and team purchases
- 1X points on all other purchases
- $20 off every $100 spent at NFLShop.com
- Redeem points for exclusive NFL rewards and experiences or cash back
- 0% introductory APR for 6 months on NFL ticket purchase
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date on NFL Team Ticket Purchases
- Regular Purchase APR: 15.99%, 20.99% or 25.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.99%, 20.99% or 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Credit Card Deals
- Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
- 10% off museum entry - Offer Expires on December 31, 2020 - See Details
- Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
- Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
- Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
- Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
- Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
- View All Deals -
Date Reviewed: August 01, 2019
Carnival® World Mastercard®
- Regular Purchase APR 13.99%, 18.99% or 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99%, 18.99% or 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date for Carnival Cruise purchases
- Processing Network Mastercard
Best Benefits
- Earn 20,000 Bonus FunPoints® after first purchase or balance transfer ($200 value)
- Earn 2X FunPoints® on purchases with Carnival
- Earn 1X FunPoints® on all other purchases
- 0% Promotional APR for 6 months on Carnival cruise bookings
- Receive 10% Statement Credit on a Carnival shore excursion when booking your cruise online
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date for Carnival Cruise purchases
- Regular Purchase APR: 13.99%, 18.99% or 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made 45 days from account opening date
- Balance Transfer APR: 13.99%, 18.99% or 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: August 01, 2019
Barnes & Noble Mastercard®
- Regular Purchase APR 13.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
Best Benefits
- Earn a $25 Barnes & Noble Gift Card after your first purchase
- Earn 5% in points on all Barnes & Noble purchases
- 2X points for restaurants
- 1X points on all other purchases
- Complimentary year of Barnes & Noble Membership after spending $7,500
Rates & Fees
- Regular Purchase APR: 13.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
- Balance Transfer APR: 13.99% or 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $37
Barclays Credit Cards
Barclays is one of the largest financial institutions in the world, with over $1.5 trillion in assets as of 2019. The bank has its headquarters in London, where it traces its roots as far back as 1690. The bank has subsidiaries across the globe, including the United States.
Barclays issues a variety of credit card products through its Barclaycard division. Barclays cards are designed for those with excellent credit scores with some cards also enjoy 0% intro APR offers and no annual fees.
Co-Branded Cards
Most Barclays credit card products in the United States are co-branded. Co-branding means that the bank issues these cards with another retailer – typically a major name in travel. Barclays has an extensive collection of airline rewards credit cards, issued with the following carriers:
- American Airlines
- Frontier Airlines
- Hawaiian Airlines
- Jet Blue
- Lufthansa (Miles & More)
- Hawaiian Airlines
The bank also issues a variety of credit cards with major names in the hospitality industry. These include hotel chains, cruise lines, and timeshare and resort brands, such as:
- Carnival
- Diamond Resort
- Holland America
- Princess Cruises
- RCI
- Wyndham
Besides travel and hospitality, Barclays also issues rewards cards for leading brands. These include Uber, Barnes & Noble, and the National Football League (NFL).
Best Barclays Credit Cards of 2020
- Financing Purchases: Barclaycard Financing Visa®
- Saving for College: Upromise® Mastercard®
- Flying for Small Business: AAdvantage® Aviator® Business Mastercard®
- Worldwide Travel: Miles & More® World Elite Mastercard®
- Hotels: Wyndham Rewards® Visa® Card
- No Annual Fee: Uber Credit Card
Benefits of Barclaycard Credit Cards
Barclays doesn’t have unique benefits for cardholders like Discover or Citi. Holders do receive the usual perks and protections that come from Visa or Mastercard. Since Barclays issues both varieties of credit cards, the actual protections will vary. However, they typically include:
- Zero fraud liability
- Free FICO Score access
- Identity theft protection
- Fraud alerts
- Travel protection and travel insurance
- Accident protection and insurance
What to Look for In a Barclays Card
If you are thinking about getting a Barclays Card, what are the critical aspects to consider before applying? Here are a few of the key components of a card to think about:
- Annual Fees: Always pay attention to the annual fee before applying for a credit card from Barclays. This precaution is especially necessary for those who want an airline rewards card. Some cards charge no annual fee, like the JetBlue Card, but most Barclays airline cards do charge a yearly fee of around $90. For that fee, however, cardholders can anticipate greater rewards and airline perks.
- No Foreign Transaction Fees: When looking for a travel credit card, pay attention to the foreign transaction fee. While most Barclays cards have no foreign transaction fees, some do. For those who want a credit card that doesn’t have additional costs when using them outside the United States, pay close attention.
- Rewards: What type of rewards does the card offer? If it is a cash back credit card, for example, what are the categories that earn the most points? Always pay attention to ensure that the card you are considering receives enough points in the categories in which you plan to spend the most each year.
- Introductory Bonuses: Does the card offer any introductory bonuses? Intro bonuses can include 0% intro APR, points after meeting a minimum spending requirement, or more.
Does Barclays Offer Preapproval?
Barclays currently does not offer preapproval or prequalification for American consumers. In this regard, Barclays is like another British export, HSBC, which also lacks this feature – one available from American Express, Citi, and Capital One.
Barclays is known for offering robust credit card products for those with excellent credit scores. Because of this, a person with a FICO Score above 700 can feel reasonably confident of success when applying for a Barclays credit card.
Browse the Best Credit Cards of 2020
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Browse our reviews, learn using our insightful news and advice resources, and compare offers using our card comparison tool. Ready to begin? Let’s find your best card today!
