The Barclaycard Rewards Credit Card charges no fees on non-sterling purchases or cash withdrawals and pays 0.25% cashback on eligible purchases. This review covers the cashback rate, using the card abroad, and the card’s rates and fees.

ClearScore is a credit broker, not a lender. Always make sure you can afford repayments.

Cashback rate

Cardholders earn 0.25% cashback on eligible purchases. Cashback is credited to the statement once a year, or on request. It isn’t earned on balance transfers, money transfers, cash withdrawals, buying currency or other cash-like transactions.

Compared with other rewards credit cards, 0.25% is at the lower end. Some cards with no annual fee pay twice as much or more, such as the Platinum Cashback Everyday Credit Card by American Express (0.5% on the first £10,000 of annual spending and 1% above that, after a 5% introductory rate), though many of them charge a fee on non-sterling transactions, which this card doesn’t.

Representative example (Platinum Cashback Everyday): Representative 29.1% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 29.1% p.a. (variable) with no annual fee.

Using the card abroad

The card charges no foreign transaction fees on purchases or cash withdrawals, and non-sterling transactions are converted at the Visa exchange rate.

Paying in pounds or local currency. Retailers and ATMs abroad sometimes offer to charge in pounds. If pounds are chosen, the retailer or ATM operator sets the exchange rate (known as dynamic currency conversion), which usually includes a markup. Paying in the local currency means the Visa exchange rate applies, with no non-sterling fee on this card.

Cash withdrawals

There’s no fee for cash withdrawals, in the UK or abroad. Many credit cards charge a higher interest rate on cash than on purchases; on this card, both are 28.9% variable.

Unlike many credit cards, the Barclaycard Rewards card’s interest-free period of up to 56 days applies to foreign-currency cash withdrawals made abroad, provided the balance is paid in full by the payment due date. Cash withdrawals in sterling (for example, from a UK cash machine) and other cash-like transactions, such as gambling or buying foreign currency in the UK, are charged interest from the date of the transaction, even if the balance is paid in full. If the balance isn’t paid in full, interest is charged on all items from the date each was added to the account.

Daily cash withdrawal limits on Barclaycard cards range from £300 to £500, and each account also has an overall cash limit, shown on the monthly statement.

Barclaycard Rewards features

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.

Depending on individual circumstances, Barclaycard may offer an alternative rate of 31.9% APR variable. The purchase and cash rates are variable and move in line with changes to the Bank of England base rate.

Barclaycard’s eligibility checker shows the likelihood of acceptance before applying, without affecting your credit score. Checking eligibility doesn’t guarantee acceptance, which depends on Barclaycard’s own criteria and checks.

Summary

The card charges no fees on non-sterling purchases or cash withdrawals, applies its interest-free period to cash withdrawals abroad as well as purchases, and pays 0.25% cashback on eligible purchases, a lower rate than some other no-fee cashback cards. Interest can be avoided by paying the balance in full each month. As a credit card, purchases between £100 and £30,000 are covered by Section 75 protection.

This review covers one card and doesn’t cover the whole market. Our no foreign transaction fee cards guide and travel credit cards guide compare other options.

Card details correct as of 22 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.