Barclaycard Credit Card

By Raquel Oliveira • 04/03/2025

The Barclaycard Rewards Credit Card is designed to make earning rewards as simple as possible.

The Barclaycard Credit Card offers a combination of cashback and rewards points, providing users with the flexibility to choose their preferred way of earning benefits. This allows for a tailored approach to maximizing spending rewards.

Unlike some rewards programs, this card does not lock users into a fixed earning structure. Cardholders can decide whether they want to accumulate points for future redemptions or receive cashback as a statement credit or direct deposit.

Additionally, new cardholders can qualify for bonus rewards by meeting specific spending requirements within the first few months. This feature makes the card particularly attractive for those who want to earn extra value on their initial purchases.

Barclaycard also collaborates with well-known brands, offering exclusive discounts and promotions in categories like travel, dining, and entertainment. This partnership enhances the overall value for frequent shoppers and travelers.

Perfect for Amazon Shoppers

One of the most popular Barclaycard options is the Amazon Barclaycard. It’s perfect for anyone who shops on Amazon a lot. 

You get 1% back on every purchase, and if you’re an Amazon Prime member, that jumps to 2%. So, if you do most of your shopping on Amazon, this card could be a good way to earn rewards.

Additionally, when you reach £5 in rewards, you can turn that into a £5 Amazon Gift Card. There’s also a 0% interest on purchases for the first six months, which could be helpful if you’re planning on buying something big. 

Pros and Cons

As with any card, there are things to love and things to consider. Here’s a quick breakdown of the pros and cons:

Pros

• 0% interest on purchases for six months
• Earn rewards on Amazon and everyday spending
• No annual fee on some cards, like the Amazon Barclaycard

Cons

• High APR on some cards (like the Barclaycard Avios Plus)
• Some rewards and bonuses can be harder to earn
• Doesn’t waive foreign transaction fees on all cards

How do I Know if the Barclaycard Credit Card is right for me?

The Barclaycard could be a great fit if you shop on Amazon a lot and want to earn rewards while you do it. 

It’s also ideal if you need a little time to pay off a large purchase, thanks to the 0% interest for the first six months. But keep in mind, if you plan to carry a balance for a long time, the high APR on some cards could make things expensive. 

So, if you tend to pay off your balance each month, the Amazon Barclaycard’s rewards and interest-free period could be really useful.

Who Should Apply for the Barclaycard Credit Card?

The Barclaycard Credit Card is ideal for individuals who want a versatile rewards program that adapts to their spending habits. It provides strong value for users who enjoy cashback options or prefer accumulating points for future redemptions.

Frequent shoppers, travelers, and dining enthusiasts can benefit from the exclusive discounts available through Barclaycard’s brand partnerships. Additionally, those who prefer a no-annual-fee card will find this option appealing.

However, individuals who frequently travel internationally may find the foreign transaction fees limiting, and those who do not meet the spending conditions for bonuses may not fully benefit from the card’s features.

Conclusion

The Barclaycard Credit Card is a well-rounded option for users who value flexibility in their rewards program. The ability to choose between cashback and points, combined with no annual fee and partner discounts, makes it a competitive choice.

While some users may find the spending conditions for certain benefits restrictive, the overall structure of the card provides long-term value for responsible cardholders.

Before applying, consider whether the available rewards and fees align with your spending habits to maximize financial benefits.