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 18.74% to 29.74% variable after a 0% intro APR on balance transfers for 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 650-700 or higher. Signup bonus: $200 bonus cash back after $1,000 in purchases within the first 90 days. Rewards: 1.529% cash back when your Upromise account is linked to an eligible College Savings Plan, or 1.25% if it is not. This product reports activity to your personal credit report. 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. For cardholders looking to transfer balances while earning education-centered cashback. Barclays RCI Elite Rewards World Mastercard. BT Fee: Generally 3%–4% (verify during application). Post-intro APR: ~19.24%–29.99% variable