The Barclaycard Rewards MasterCard is a card that offers an extensive amount of benefits and rewards to its customers. Clients can earn points with every purchase that they make on the card.
Users are able to carry over balances from other cards and enjoy the initial interest free period, which makes it a perfect option for people who would like to organize and simplify their spending.
Use our FREE credit card chaser tool above for easy comparison today!
Why Consumers Choose the Barclaycard Rewards MasterCard
Consumers enjoy the options that are available to new Barclaycard Rewards MasterCard holders.
Additionally, the card gives users the option to earn points and make purchases with the points they accrue by using it. Alternatively, the cardholder may use points to receive cash back. This card truly gives back to the consumer, which is why it is one of the most desired options on the market today.
Qualifying for a Barclaycard Rewards MasterCard
To qualify for a Barclaycard Rewards MasterCard, the applicant must be at least 18 years of age. All regular credit cards are contract based, which means that only adults can sign for their usage. Additionally, the applicant must pass the card company’s credit requirements.
However, the company does take into consideration the consumer’s debt to income ratio and the amount of balances that he or she is using on all credit card accounts.
How a Person can use the Barclaycard Rewards MasterCard
A cardholder can use the Barclaycard Rewards MasterCard at a wide variety of locations. He or she can use the card at any location that accepts MasterCard as one of its payment methods. This includes department stores, fuel stations, restaurants, airlines, rental car locations and more.
Additionally, a consumer who owns one of these cards can shop online with any merchant that accepts it. The Barclaycard Rewards MasterCard is accepted in several international locations as well as the United States.
How to get a Barclaycard Rewards MasterCard
To apply for a Barclaycard Rewards MasterCard, a consumer can complete an online application at the website in less than five minutes. The application will request information to conduct an investigation of the consumer’s credit report.
Such information includes the applicant’s name, address, telephone number, birth date, residency status, email address, employment status, annual income and type of bank account. The application will also ask the consumer if he or she intends to use the card for ATM purchases.
Additionally, the individual will have the option to request an additional card and manage his or her paper delivery preferences. Furthermore, the person will have an opportunity to enter up to three credit accounts for a balance transfer.
The last step in applying for a Barclaycard Rewards MasterCard is checking that the consumer has read the terms and conditions, and clicking the “apply” button. The issuing bank will review the applicant’s credit score and account information for qualification. If the person is accepted as a new cardholder, the bank will send the card within seven to 10 business days from the date of application.
The annual percentage rate (APR) the new cardholder has will depend on his or her credit score.
The APR may be as low as 14.99% or as high as 24.99%. Balance transfers will also fall within this APR bracket.
All cash advances will have a set APR of 25.24%. Furthermore, if the cardholder should fall behind in payments, he or she may be subject to an annual percentage rate of up to 30.24%. The best way to avoid this charge is for the cardholder to make payments as quickly as possible and before the due date each month.
Benefits and Features of the Barclaycard Rewards MasterCard
The Barclaycard Rewards MasterCard provides an extensive amount of features and benefits to every member. The following are just a handful of its amazing offers:
Double Points per Dollar- Each person who receives a Barclaycard Rewards MasterCard can earn two points for each dollar spent on the card for items in certain categories.
Such items include grocery food items, gasoline and utilities. The individual can receive one point per dollar on all other purchases.
The cardholder can redeem points for any purchase that is equal to or greater than 25 dollars. Additionally, the purchase must have been made within the past 30 days.
Therefore, a debtor can make use of it to pay down balances for accounts that he or she brought over from other creditors.
Points for Purchases and More- One of the most amazing features of the Barclaycard Rewards MasterCard is the ability to earn points. The cardholder can redeem these points to use for purchase at various dining establishments and shopping centers.
- Additionally, the individual can redeem points for airline tickets or a wide variety of other reasons. Cardholders have many options for using points, and the discounting potential is endless.
- The only stipulation that the company puts on the use of points and the redemption system is creditworthiness. A cardholder must keep his or her account in good standing and make the necessary payments to keep enjoying the benefits. Additionally, the person must use the card regularly.
- Lack of use for a period of three months or longer may result in the closing of the account. Once the account is closed, the cardholder loses all rights to the points that he or she accumulated. The same rings true for poor handling of the account and poor payment history.
No Annual Fees- One of the benefits that sets this card apart from other cards in the same class is the lack of an annual fee. Annual fees take from the cardholder’s experience and give that person more yearly expenses.
This company believes in providing the consumer with the most relaxing terms and conditions. New cardholders can enjoy using their card on a frequent basis without worrying about additional fees.
No Limits on Cashback- Unlike most rewards cards, the Barclaycard Rewards MasterCard does not have limits on cash back earnings. Clients can continue to earn points and money back on a plethora of purchases and expenses. This feature makes the Barclaycard one of the most precious cards in its class.
No Blackout Dates – Blackout dates can be annoying when a cardholder wants to travel or book a hotel room. Therefore, this creditor further conveniences the consumer by providing a rewards program with no blackout dates. Clients can enjoy the multitude of airline travel offerings and hotel discounts on any day of the year.
Managing the Barclaycard Rewards MasterCard
A person who has recently applied for a Barclaycard Rewards MasterCard can check on the status of his or her application by visiting this site and clicking “check the status” to review results. The tool will ask the person for identifying information before it will let the applicant in to review the information.
Once he or she submits identifying information, that person will be able to see if the creditor denied or approved the application. The results may also display the reason for denial or the credit line if the creditor approved the card.
Customers who have already received their Barclaycard Rewards MasterCard can use the same site for a number of operations. The individual can view his or her transactions and rewards accrual.
He or she can also set up a payment method for easy stress free payments. Additionally, the consumer will be able to make a connection with customer service and ask questions or resolve issues.
The first step in using online access is creating a User ID and password for the account. The cardholder will have to first verify his or her identity, and enter his or her account number. He or she will then be able to create a unique User ID and password for easy account management.
Cardholder Dispute Process
A cardholder has a right to dispute any transaction that is unfamiliar or fraudulent. The first step in the dispute process is calling the number on the back of the card. A specialist will be assigned to the case.
This person will ask the cardholder for a detailed description of the transaction and the reason that he or she thinks the charge is fraudulent.
Once the specialist gathers the appropriate information, the company will conduct a thorough investigation. If it finds that the charge was indeed fraudulent, it will issue a credit to the cardholder.
Credit Line Increases
The Barclaycard Rewards MasterCard comes with a reasonable credit line. The creditor will usually perform periodic reviews of a person’s account history and issue an automatic credit line increase if it sees fit.
Apply Now for a Quick Answer
Interested parties can apply for a Barclaycard Rewards MasterCard in a matter of minutes. A person with an excellent credit score may get an instant response. A new cardholder can start enjoying all the benefits immediately upon approval.
Be sure to check out the FREE credit card tool below for instant comparison!