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Barclaycard credit card review

Find out how Barclaycard has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey

In this article
What do Barclaycard credit cards offer?  How does Barclaycard compare with other providers? Is Barclaycard a good credit card provider?
How we calculate Barclaycard’s customer score and ratings Barclaycard credit card FAQs

What do Barclaycard credit cards offer? 

Barclaycard is the largest credit card provider in the UK, and offers a wide range of cards to suit different borrowing and spending needs.

Currently, it has a range of 0% purchase and balance transfer deals, a credit-builder card and a fee-free card for spending abroad that pays cashback. Credit is subject to status and terms apply.

How does Barclaycard compare with other providers?

Barclaycard scored an impressive 73%, placing it joint-10th with Co-operative Bank in our latest credit card satisfaction survey.

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Barclaycard review
Which? customer score
=10th out of 36 credit card providers
73%
The Which? rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Barclaycard a good credit card provider?

Our survey also reveals how Barclaycard customers rated the provider across 10 categories. 

Find out in the table below how Barclaycard scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Barclaycard credit card customer satisfaction category Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

3 out of 5

Dealing with complaints and resolving problems

4 out of 5

Dealing with queries

3 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

4 out of 5

 

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

How we calculate Barclaycard’s customer score and ratings

We pick those to feature in Which? reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.

 

Barclaycard credit card FAQs

 

Does Barclaycard offer an eligibility check?

 

Yes. Barclaycard offers an eligibility checker that shows you which of its cards you’re likely to be accepted for.

The tool does a ‘soft search’ of your credit file that won’t impact your credit score.

 

Where are Barclaycard credit cards accepted?

 

Barclaycard issues its credit cards on the Visa network, so they're accepted at millions of places in the UK and abroad.

 

 

Is Barclaycard part of Barclays Bank?

 

Yes. Barclaycard is the credit card division of Barclays plc.

 

 

How do Barclaycard's minimum payments work?

 

From 26 January 2021, the minimum amount you pay will be personalised to you. 

The precise payments depend on the individual customer, but will be the highest of the following three calculations: 

  • 2% to 5% of the main balance (plus any instalment plan payments) – this is individual to each customer; 
  • 1% to 3% of the main balance, plus any interest, default fees or account maintenance (and any instalment plan payments) – this is individual to each customer;
  • £5, or the total outstanding balance of an account if it's less than £5. 

The changes to Barclaycard’s terms and conditions come in response to rules set by the Financial Conduct Authority (FCA) in 2018 aimed at helping borrowers in ‘persistent debt’

 

What fees will you be charged?

 

Barclaycard made changes to its fees on 26 January 2021. We've explained some of the biggest ones below.

Interest on cash transactions 

If you pay your main balance in full – plus any instalment plan payments due that month – you’ll no longer pay interest on sterling cash transactions (for example, when you take cash out with your card in the UK). Otherwise, interest will continue to be charged from when the transaction is added to your account and will appear on your next statement.  

Credit limit fees 

Barclaycard will no longer charge a £12 over-credit-limit fee. You’ll also no longer lose any promotional rates if you go over your credit limit or miss a minimum payment. However, if you do go over your credit limit or miss a minimum payment, your credit records may be affected, meaning it may be harder or more expensive for you to borrow in the future. 

Late payment fees 

You’ll only be charged late payment fees a maximum of four times a year. These fees are currently £12 every time you miss a payment. This means the maximum you could pay a year in late won’t exceed £48 under the new rules. 

 

What are Barclaycard's rules on gambling transactions?

 

Barclaycard will block any transactions made at a gambling establishment or on a gambling website, so if you try to use your card, it won’t go through.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.

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