Barclays Rewards Credit Card: Discover How to Apply

This article will guide you through the Barclays Rewards Credit Card application process. It provides essential information on eligibility, benefits, and steps to apply. 

Our goal is to equip you with the knowledge to make an informed decision. By the end, you'll have a clear understanding of how to access the rewards and advantages offered by this credit card.

Overview of Barclays

Barclays is a global financial services company with a strong presence in the UK. It offers various banking and financial products, including the Barclays Rewards Credit Card

The bank is known for its commitment to innovation and customer service. Barclays has established itself as a trusted name in the industry with a history spanning over the years. 


It operates in various countries, providing services to individuals, businesses, and corporations. Barclays focuses on delivering value and convenience to its customers through its diverse offerings.

Key Features of Barclays Rewards Credit Card

This credit card comes with several attractive features that cater to various needs.

Points System 

The card offers a straightforward reward points system. Users earn points for every purchase, which can be redeemed for various rewards. 


The points accumulate over time, allowing cardholders to save for more significant rewards. This system encourages regular use of the card for everyday expenses.

Cashback Offers 

Cardholders enjoy a 0.25% cashback on all new purchases. This cashback is credited directly to the account, providing immediate benefits. 

The cashback offer is subject to terms and conditions in the information section. This feature adds extra value to every transaction made with the card.


Travel Perks 

The card offers several travel-related benefits. There are no fees on purchases made abroad, allowing hassle-free travel spending. 

Cardholders also enjoy free withdrawals from foreign ATMs. The Visa exchange rate applied is competitive, ensuring fair conversion rates during travel.

No Annual Fee 

One of the card's main advantages is its lack of an annual fee. This makes it an accessible option for a wide range of users. 

The absence of a yearly charge allows cardholders to enjoy the card's benefits without worrying about additional costs.

Eligibility Criteria

To qualify for a credit card, applicants must meet specific criteria. The Barclays website also offers an eligibility checker for potential applicants to assess their chances of approval.

Credit Score 

A good credit score is required for approval. The exact score needed varies, but a higher score increases the chances of acceptance. 

Applicants can check their credit score through various online platforms. Maintaining a healthy credit history is crucial for meeting this requirement.


A stable income is necessary to qualify for the card. The minimum income requirement ensures that applicants can manage their credit responsibly. This criterion helps the bank assess the applicant's financial stability and repayment ability.

Age and Residency 

Applicants must be at least 18 years old and legal residents of the UK. Age and residency are essential criteria for eligibility.

Application Process

Applying for a credit card is a straightforward process.

Online Application 

The application can be completed online through the Barclays website. Applicants need to fill out a form with their personal and financial details. 

The process is quick and user-friendly, with immediate feedback on eligibility. Online applications are convenient and accessible.

Required Documents 

Applicants need to provide proof of identity, address, and income. These documents may include a passport, utility bills, and pay slips. 

The documentation helps verify the applicant's information and ensures compliance with regulations. It's essential to have these documents ready before applying.

Tips for Success

To increase your chances of success when applying for a credit card, it's important to be well-prepared. Here are some tips to guide you through the application process and enhance your likelihood of approval.

  • Ensure all information provided is accurate and up-to-date.
  • Double-check the eligibility criteria before applying.
  • Gather all necessary documents beforehand to streamline the process.
  • Be patient and wait for the bank's decision before making further applications.

Interest Rates and Fees

Understanding the interest rates and fees associated with the Barclays Rewards Credit Card is crucial for managing your finances effectively.

APR for Purchases and Balance Transfers 

The card has a representative APR of 28.9% (variable), which applies to purchases and balance transfers. This rate is based on a credit limit of £1,200 and may vary depending on individual circumstances. 

It's important to note that the APR can change over time. Keeping an eye on this rate helps you understand the cost of borrowing on your card.

Cash Advance Fees 

A fee is charged for cash advances, typically a percentage of the amount withdrawn. This fee is in addition to the interest charged on the cash advance. 

It's advisable to avoid using the card for cash withdrawals when possible. Understanding these fees is critical to using your credit card wisely.

Late Payment and Returned Payment Fees 

Late payment and returned payment fees are applied when payments are not made on time or if a payment is returned. These fees can add up and impact your credit score. 

Setting up automatic payments can help avoid these fees. Staying on top of your payments is essential to maintain a good credit standing.

Managing Your Credit Card

Efficient management of your Barclays Rewards Credit Card is essential for maximizing its benefits.

Online Banking Features 

The card offers online banking features that allow you to monitor your account activity and manage your finances. You can view your balance, transactions, and statements at any time. 

Online banking also lets you set up alerts for payments and spending limits. These features provide convenience and control over your account.

Mobile App for Account Management 

The Barclays mobile app offers a convenient way to manage your credit card. You can check your balance, make payments, and view recent transactions. 

The app also provides security features like card locking and unlocking. The mobile app ensures you can access your account information anytime, anywhere.

Customer Service Support 

Barclays provides customer service support to assist with any questions or issues related to your credit card. You can contact the customer service team via phone and online chat channels. 

They can help with account inquiries, dispute resolution, and other services. Access to reliable customer support is essential for a smooth credit card experience.

Barclays Bank Contact Information

The bank's telephone number is 03457 345 345, and the address is 1 Churchill Place, London E14 5HP. You can contact us for support with your credit card or any other banking needs. It's advisable to have this contact information handy for easy access when needed.

Disclaimer: It's essential to read the terms and conditions carefully before applying for the Barclays Rewards Credit Card. Using credit responsibly is crucial for maintaining a healthy financial profile.

Conclusion: The Final Verdict on the Barclays Rewards Credit Card 

Applying for the Barclays Rewards Credit Card can be wise if you're looking for a card with cashback offers and travel benefits. The application process is straightforward, and managing the card is made easy with online and mobile banking. 

Consider the interest rates and fees, and always use credit responsibly. With the right approach, this card can be a valuable addition to your financial toolkit.