Barclays Credit Card: Is Barclays a hard card to get?

Barclays Credit Card refers to a credit card offered by Barclays, one of the prominent international financial institutions.

These cards come in various types and offer a range of features, including rewards programs, cashback benefits, travel perks, and low or introductory APR (Annual Percentage Rate) options.

Barclays Credit Cards are known for their versatility and may cater to different consumer needs, whether it’s earning rewards on everyday purchases, saving on interest, or gaining access to exclusive travel privileges.

The specific terms and benefits associated with a Barclays Credit Card can vary depending on the card type and the applicant’s creditworthiness, making them a popular choice for a wide range of consumers seeking credit solutions.

Getting a Barclays credit card can vary in difficulty based on a range of factors. Your credit score, credit history, income, and the specific card you’re applying for all play a significant role in the approval process.

Barclays offers a diverse selection of credit cards, some requiring excellent credit while others are accessible to those with fair or average credit. Your credit history, marked by on-time payments and responsible credit use, will impact your approval odds.

Higher income can enhance your eligibility and credit limit. It’s important to note that applying for a Barclays card involves a hard credit inquiry, which can temporarily affect your credit score, so a recent history of multiple credit applications may make approval more challenging.

• Ideal for JetBlue frequent flyers.
• Rewards: 6 points per dollar on eligible JetBlue purchases, 2 points per dollar at restaurants and eligible grocery stores, 1 point per dollar on all other purchases.
• Welcome Offer: 40,000 bonus points after spending $1,000 on purchases and paying the annual fee in full within the first 90 days.
• Annual Fee: $99.
• Additional Benefits: Free checked bag, savings on inflight food and drink, JetBlue Mosaic status, 10% rebate on points used for JetBlue flights, no foreign transaction fees.

• Suitable for frequent travelers, especially at Wyndham properties.
• Rewards: 6X points on Wyndham hotel purchases and qualifying gas purchases, 4X points on dining and grocery store purchases, 1X points on other purchases.
• Welcome Offer: 45,000 bonus points after spending $1,000 on purchases in the first 90 days (resort fees may apply).
• Annual Fee: $75.
• Additional Benefits: Automatic Platinum status, 10% points discount on free nights, no foreign transaction fees.

• Entry-level card for Wyndham loyalists.
• Rewards: 5 points per dollar on Wyndham hotel and gas purchases, 2 points per dollar on dining and grocery purchases, 1 point per dollar on other purchases.
• Welcome Offer: 30,000 bonus points after spending $1,000 on purchases in the first 90 days.
• Annual Fee: $0.
• Additional Benefits: Automatic Wyndham Rewards Gold elite status, no foreign transaction fees, 10% points discount on free night redemptions, 7,500 anniversary bonus points.

• Great for Hawaiian Airlines travelers.
• Rewards: 3 HawaiianMiles per dollar on Hawaiian Airlines purchases, 2 HawaiianMiles per dollar on gas, dining, and grocery store purchases, 1 HawaiianMile per dollar on other purchases.
• Welcome Offer: 60,000 bonus HawaiianMiles after spending $2,000 on purchases within the first 90 days.
• Annual Fee: $99.
• Additional Benefits: Two free checked bags, companion fare discount, no foreign transaction fees.

• A good choice for occasional JetBlue flyers with no annual fee.
• Rewards: 3 points per dollar on JetBlue purchases, 2 points per dollar at restaurants and grocery stores, 1 point per dollar on all other purchases.
• Welcome Offer: 10,000 bonus points after spending $1,000 on purchases in the first 90 days.
• Annual Fee: $0.
• Additional Benefits: 50% savings on eligible in-flight food and drink purchases on JetBlue flights, no foreign transaction fees.

• Designed for saving in a 529 plan.
• Rewards: Earn bonus cash back rewards (1.25% or 1.529%) based on the Upromise Program account’s linkage to a College Savings Plan.
• Welcome Offer: $100 bonus cash back rewards after spending $500 on purchases in the first 90 days.
• Annual Fee: $0.
• Additional Benefits: Best for those looking to save for education, limited additional benefits.

• Ideal for American Airlines flyers who prefer to check a bag.
• Rewards: 2 miles per dollar on American Airlines purchases, 1 mile per dollar on all other purchases.
• Welcome Offer: 60,000 bonus miles after the first purchase and paying the $99 annual fee in full within the first 90 days.
• Annual Fee: $99 (waived for the first year).

R.R Singha

Hey, I’m Ratiranjan Singha, the Creator of Myworldstuffs.com. I Offer in-Depth Articles and Guides that Help you to Understand Various Financial Concepts.