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 29.74% 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); not on purchases introductory rate for 15 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 5,000 Bonus Rewards after your first purchase. Rewards: 5X on eligible RCI purchases, 2X on eligible travel (including rideshare, gas, and EV charging), 1X on everything else. Cash back: Redeem Rewards for cash back. 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. For travelers seeking a 0% intro period combined with VIP-level travel protections. Alliant Visa Platinum Credit Card. BT Fee: Not detailed—typically around 3%–5%. Post-intro APR: Standard APR (likely around 19%–29%, exact terms not specified)