The Barclays is a personal credit card from Barclays. Application typically pulls a hard report from TransUnion. The annual fee is $0. 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 at least 670 or higher. Signup bonus: Up to 75,000 bonus points: 30,000 points after $1,000 in qualifying purchases within 90 days, plus 45,000 points after $500 at Hotels by Wyndham within 180 days. Rewards: 4x points at Wyndham hotels, 2x on gas stations and grocery stores, 1x on everything else. Up to 15,000 bonus points.. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: • 6/24 Rule: May deny if 6+ cards (any bank) in past 24 months (inconsistently enforced). • 24-Month Rule: No repeat welcome bonus within 24 months on same card. Some cards say "no bonus if you've EVER had this card." • No Duplicate Cards: Must cancel and wait ~6 months before reapplying for same card. • ~1 personal card per 6 months (velocity limit, not strict). • No strict card count limit, but limits total credit and considers spending on existing Barclays cards. • Primarily TransUnion. Will pull Experian if TU frozen. • Status: (888) 232-0780. Recon: (866) 408-4064. Recon: (866) 408-4064 Recon Alt (community-reported, unverified): (877) 523-0467.