Barclaycard offers a range of credit cards, covering rewards, purchases, balance transfers, credit building, and no-fee overseas spending. Barclaycard's free eligibility checker can be used to check the likelihood of acceptance before applying, without a hard search on your credit file.

Always make sure you can afford repayments.

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Best Barclaycard for Overseas Travel: Barclaycard Rewards Credit Card

The Barclaycard Rewards Credit Card charges no foreign transaction fees on purchases made abroad, and cardholders earn 0.25% cashback rewards on all spending. The purchase and cash APR are the same rate — there's no grace period on cash withdrawals, so interest accrues from the date of the transaction.

Representative example: Representative 28.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 28.9% p.a. (variable) with no annual fee.

Pros

• No fees on non-sterling purchases abroad

• 0.25% cashback on all spending

• Free text and email alerts, plus mobile app

• No annual fee

• Eligibility checker

Cons

• No grace period on cash withdrawals

Best Barclaycard for Credit Building: Forward Card

The Barclaycard Forward Card is designed for those with limited or no credit history, with credit limits starting as low as £50 and rising to £1,200. The card offers 0% interest on both purchases and balance transfers for the first 6 months. Making all payments on time and staying within the credit limit can reduce the interest rate by 3% in the first year and a further 2% in the second.

Representative example: Representative 33.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 33.9% p.a. (variable) with no annual fee.

Pros

• 0% on purchases and balance transfers for 6 months

• Chance to reduce interest rate by 5% over two years

• Free text and email alerts, plus mobile app

• No annual fee

• Eligibility checker

Cons

• Higher-than-average ongoing interest rate

• Starting credit limit can be as low as £50

Best Barclaycard for Everyday Cashback: Amazon Barclaycard

The Amazon Barclaycard is an app-only card (managed via the Barclays or Barclaycard app) earning 1% back on Amazon purchases and 0.5% elsewhere, rising to 2% on Amazon during eligible Prime shopping events. New cardholders also receive a £20 Amazon Gift Card on approval, and get 0% interest on all purchases for the first 6 months.

Representative example: Representative 28.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 28.9% p.a. (variable) with no annual fee.

Pros

• £20 Amazon Gift Card on approval

• 1% back on Amazon purchases, 0.5% elsewhere (2% on Amazon during eligible Prime events)

• 0% interest on purchases for 6 months

• No annual fee

Cons

• App-only account management

• Apple Pay not supported (contactless and Google Pay available)

Best Barclaycard for BA Flyers, No Annual Fee: Barclaycard Avios

The free Barclaycard Avios card earns 1 Avios per £1 spent, with a 5,000-Avios welcome bonus for spending £1,000 in the first three months. Spending £20,000 in a 12-month period earns a choice between a British Airways cabin upgrade voucher or 7,000 bonus Avios.

Representative example: Representative 29.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 29.9% p.a. (variable) with no annual fee.

Pros

• Earn 1 Avios per £1 spent

• 5,000-Avios welcome bonus (spend £1,000 in first 3 months)

• Choice of cabin upgrade voucher or 7,000 bonus Avios at £20,000 annual spend

• No annual fee

Cons

• Lower earn rate and higher spend threshold than the paid Avios Plus card

Best Barclaycard for BA Flyers, Higher Earn Rate: Barclaycard Avios Plus

The Barclaycard Avios Plus card earns 1.5 Avios per £1 spent, for a £20 monthly fee. New cardholders get a 25,000-Avios welcome bonus for spending £3,000 in the first three months. Spending £10,000 in a 12-month period earns a choice between a British Airways cabin upgrade voucher or 7,000 bonus Avios — a lower spend threshold than the free Avios card. Cardholders also get discounted airport lounge access at over 1,000 lounges worldwide, at £24 per lounge pass, per person.

Representative example: Representative 80.1% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 29.9% p.a. (variable) and a £240 annual fee (£20 charged monthly).

Pros

• Earn 1.5 Avios per £1 spent

• 25,000-Avios welcome bonus (spend £3,000 in first 3 months)

• Lower spend threshold (£10,000) for the cabin upgrade voucher/bonus Avios choice

• Discounted airport lounge access (£24 per pass)

Cons

• £20 monthly fee

• Discounted lounge access still carries a per-visit cost, unlike some cards offering free visits

Best Barclaycard for Purchases and Balance Transfers: Platinum Card

Barclaycard's Platinum range currently offers four variants, each balancing the 0% purchase period against the 0% balance transfer period differently:

Note: these offers were updated 02 September 2026 and are subject to change.

All four variants share the same representative example.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Pros

• Choice of variant depending on whether purchases or balance transfer duration matters more

• A no-fee option available (12-month BT variant)

• Free text and email alerts, plus mobile app

• No annual fee

• Eligibility checker

Cons

• Longer 0% periods carry a higher transfer fee

• Actual 0% period offered may be shorter than advertised, depending on individual circumstances

Summary of Barclaycard Credit Cards

Barclaycard Eligibility

Barclaycard's free eligibility checker shows the likelihood of acceptance before applying. General eligibility criteria include:

• Being over 18

• Being in employment

• Not having been made bankrupt in the last six years, including an Individual Voluntary Arrangement or Debt Relief Order

• Having fewer than one outstanding County Court Judgement in the last six years

• Proof of address if you've moved house recently

• No recently missed bill payments

Note: some cards may have their own specific eligibility guidance (for example, a minimum income requirement) separate from Barclaycard's general criteria above.

Card details correct as of 02 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.