Capital Vacations® World 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 19.49% 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 Capital Vacations Club down payment purchases introductory rate. Signup bonus: 5,000 bonus rewards after first purchase. Rewards: 5X rewards per $1 on eligible Capital Vacations purchases; 2X on eligible RCI and travel purchases; 1X on all other; 5% of rewards back on redemption. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.