The Barclays is a business credit card from Barclays. Application typically pulls a hard report from TransUnion. The annual fee is $149. The ongoing APR is 19.74% to 29.74% variable (Prime + 12.74% to 22.74%), depending on review of application and credit history (terms accurate as of 09/30/2026) after a 0% promotional APR for 6 billing cycles from the transaction date on Qualifying Wyndham Timeshare Purchases only (not other purchases, balance transfers or cash advances) introductory rate for 6 months. Signup bonus: Up to 100,000 bonus points: 45,000 after spending $3,000 on purchases and paying the annual fee in full, both within the first 90 days, plus 55,000 after spending $500 on Hotels by Wyndham purchases within the first 180 days (timeshare down payments excluded). Rewards: 8 points per $1 on eligible purchases at Hotels by Wyndham (incl. Wyndham Travel Bundles); 5 points per $1 on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases; 1 point per $1 on all other purchases (excluding Vacation Club down payments); 15,000 bonus points each anniversary year after payment of the annual fee. Loan terms: Revolving business credit card; at least 20 days grace period for purchases from the statement closing date if the previous balance is paid in full. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). 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.