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 23.74% to 32.49% variable APR for purchases and balance transfers, based on your creditworthiness and other factors (Prime Rate + 16.74% to 25.49%, maximum APR 34.99%) (terms accurate as of 09/30/2026, Prime 7.0%). Signup bonus: $200 bonus cash rewards after spending $2,000 on purchases (less credits, returns and adjustments) within the first 90 days after account opening; not for current or previous cardmembers in this program. Rewards: 5% cash rewards on eligible Samsung Direct Purchases (Samsung.com, Samsung Shop App, Samsung Experience Store, Galaxy Store, Samsung Smart TV Store, Samsung Secure Wi-Fi, Samsung Care+, SmartThings Video); 3% on eligible purchases made with the card in Samsung Wallet; 2% on eligible streaming services (video, music, audio); 1% on all other net purchases; single highest category per transaction; no earning cap and rewards do not expire while the account is open and in good standing; redeem for statement credit, bank deposit, gift cards or merchandise ($25 minimum; from $1 at purchase in Samsung Wallet). 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; balance transfers incur interest from the transaction date; minimum interest charge $2.00; optional Barclays Easy Pay plans (monthly fee up to 1.72% of each purchase selected).