The Barclays is a personal credit card from Barclays. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 22.49% to 32.49% variable, based on creditworthiness, tied to the Prime Rate after a 0% for 9 billing cycles on Qualifying GM Purchases over $499 made within 30 days of account opening introductory rate for 9 months. Approval typically requires a credit score of 670+ or higher. Signup bonus: 30,000 bonus points after spending $1,000 in the first 90 days of account opening. Rewards: Up to 10x points on eligible GM purchases (7x plus up to 3x for GM Rewards members); 3x points on all other purchases. Cash back: None (financing product). This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Pre-qualification available (soft pull)