Barclaycard – How to apply

By Raquel Oliveira • 03/20/2025

Barclaycard designed for those looking to build or improve their credit score.

The Barclaycard is a reliable credit card designed for those looking to build or improve their credit score while enjoying valuable financial and travel benefits. With broad acceptance and versatile perks, it’s an attractive choice for a variety of users.

A standout feature is the ability to earn Avios points, which can be redeemed for flight upgrades, discounts, and other travel perks—making it particularly appealing for frequent travelers and British Airways passengers.

Beyond travel rewards, this card prioritizes security with fraud protection, real-time transaction monitoring, and purchase protection—ensuring peace of mind for both online and in-store purchases.

With these benefits, it serves not only as a financial tool but also as an added layer of security and convenience for everyday spending.

How Does Barclaycard Work?

Barclaycard is a versatile credit card that caters to different financial needs, including building credit and earning travel rewards. It is designed to help users make purchases while enjoying benefits tailored to their spending habits.

Every qualifying purchase made with the card earns Avios points, which can later be redeemed for flights, seat upgrades, and other travel benefits. This makes it a strategic choice for those looking to save on travel expenses.

For new users, the first three months come with no fees, allowing them to explore the card’s features without additional costs. This introductory period offers a risk-free way to test its benefits before committing long-term.

The card also offers advanced security features, including fraud alerts and transaction monitoring. With these protections in place, users can shop confidently, knowing their financial information is safeguarded.

Main Benefits of Barclaycard

• Exclusive access to entertainment events and pre-sales through this card Entertainment program, offering unique experiences.
• Broad acceptance at various establishments, making it a convenient payment option for everyday purchases and travel expenses.
• No annual fees, allowing cardholders to enjoy financial perks without worrying about extra costs.
• A 3% interest rate reduction after three months for users who consistently make on-time payments.
• An additional 2% interest rate reduction after one year of responsible credit usage, encouraging good financial habits.
• 24/7 fraud protection and purchase security, ensuring that transactions remain safe and protected at all times.

Tips for Maximizing Barclaycard Benefits

• Use the card regularly for everyday purchases to maximize Avios earnings and take full advantage of travel rewards.
• Maintain a consistent payment history to qualify for interest rate reductions over time, saving money on financing costs.
• Take advantage of exclusive entertainment and event pre-sales offered through the Barclaycard Entertainment program.
• Use the Barclays mobile app to track expenses, monitor transactions, and receive real-time security alerts.
• Consider whether the Avios Plus program is worth the monthly fee based on individual travel habits and spending levels.

Cons of Barclaycard

Although this credit card is widely recognized for its benefits, it is important to consider some points that may not suit all consumer profiles. 

In some models, especially premium ones, annual fees are charged. These additional costs can be a disadvantage for those looking for a more basic and economical card, as they can impact the feasibility of use depending on the available budget.

Another aspect that deserves attention is international transaction fees. Despite being a card with global acceptance, some models may apply specific fees for purchases made outside the country. 

APR and Fees

This credit card presents a structure of APR and fees which may vary depending on the card model chosen and the customer’s financial profile. With a representative APR of 28.9% (variable), the card offers transparency in the costs associated with revolving credit. 

In addition to the APR, some card variants may include specific fees, such as charges for international transactions. This aspect is important for those who travel frequently, as it can make a big difference in financial planning.

Another point to consider are the fees related to the use of premium services. For example, the Avios Plus charges a monthly fee of £20, but offers benefits such as the ability to earn travel rewards and exclusive perks. 

How to Apply!

Applying for this card is a straightforward process that can be completed online through the official Barclays website. The process ensures that applicants receive quick feedback on their eligibility and approval status.

Before applying, it is recommended to check eligibility using Barclays’ online tool. This helps potential users determine their likelihood of approval without negatively impacting their credit score.

Once eligibility is confirmed, applicants can proceed by filling out a form that requires basic personal details, including name, address, occupation, salary, and monthly expenses. These factors help determine the applicant’s creditworthiness.

After submitting the application, the approval process is usually quick. If approved, users receive their Barclaycard in the mail, allowing them to start using it for purchases and earning rewards right away.

Is Barclaycard Worth It?

For individuals looking to build credit while earning valuable travel rewards, this card is a solid choice. It offers broad acceptance, financial flexibility, and additional perks that make everyday spending more rewarding.

Frequent travelers will benefit the most from the Avios program, especially those who regularly fly with British Airways. The ability to redeem points for seat upgrades and travel perks makes the card a great companion for airline passengers.

However, the high representative APR and the £20 monthly fee for the Avios Plus program may not be suitable for all users. Those who do not travel frequently or who carry a balance might find other credit card options more cost-effective.

Overall, Barclaycard is a reliable financial tool for those who want to improve their credit history while enjoying valuable perks. When used strategically, it provides a range of benefits that enhance both financial security and lifestyle experiences.