The Barclays is a personal credit card from Barclays. Application typically pulls a hard report from TransUnion. The annual fee is $299. The ongoing APR is 19.74% to 27.74% variable, based on creditworthiness (Prime + 12.74% to 20.74%; terms dated 09/30/2026) after a 0% intro APR on balance transfers that post within 45 days of account opening (first 15 billing cycles following each balance transfer); does not apply to purchases or cash advances introductory rate for 15 months. Approval typically requires a credit score of 720 or higher. Rewards: 2 points per $1 on eligible hotel and airfare purchases booked through LuxuryCardTravel.com; 1 point per $1 on all other net purchases; points redeem at 2% value for airfare and 1% value for cash back (statement credit or bank deposit); no limit on points earned and points do not expire while the account is open and in good standing. Cash back: 1% cash back value. Loan terms: Revolving personal credit card; due date at least 23 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum interest charge $1.00; optional Barclays Easy Pay Plan (fixed monthly fee up to 1.72% of each purchase put on a plan). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Brushed stainless steel card. Priority Pass Select. 24/7 concierge. 0% intro APR on balance transfers for 15 months. Regular APR 19.49%-27.49%. Auth user fee $149.