Carnival Rewards Mastercard — Barclays is a personal credit card from Barclays. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 18.74% to 29.74% after a 0% intro APR on balance transfers for 15 billing cycles (posted within 45 days of opening); 0% promotional APR for 6 billing cycles on qualifying Carnival cruise booking purchases introductory rate. Signup bonus: 20,000 points after $1,000 in purchases in the first 90 days. Rewards: 3x points per $1 at Carnival (up to 6x with Carnival Rewards); 2x at eligible restaurants and grocery stores (excl. Target and Walmart); 1x on all other purchases. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.