The Barclays is a personal credit card from Barclays. Application typically pulls a hard report from TransUnion. The annual fee is $95. The ongoing APR is 19.49% to 29.99% variable after a 0% intro APR on balance transfers for the first 15 billing cycles (balance transfer must post within 45 days of account opening) introductory rate for 15 months. Approval typically requires a credit score of 670 or higher. Signup bonus: Up to 100,000 bonus points: 45,000 points after $1,000 in qualifying purchases in the first 90 days, plus 55,000 points after $500 at Hotels by Wyndham in the first 180 days. Rewards: 6 points per $1 at Hotels by Wyndham; 4 points per $1 on eligible dining, grocery stores (excluding Target and Walmart) and travel purchases; 1 point per $1 on all other purchases. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. EXPERT REFERENCE (Mar 2026): Barclays offers airline cards, travel cards, and retail partnerships, often pulling TransUnion.