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Rewards MasterCard - Excellent Credit

Home » Card Issuer » Barclays » Rewards MasterCard - Excellent Credit


  • 5,000 Bonus Points after your first purchase – enough for $50 cash back
  • Competitive Rewards System
  • 0% intro APR for 12 months on Balance Transfers and Purchases
  • Redeem for flights, shopping, dining and more 
  • Use your points like cash to pay for any purchase you've made

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 14.99% - 24.99%* (Variable) $0 First twelve billing cycles
  • Purchase Intro Period: First twelve billing cycles
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 14.99% - 24.99%* (Variable)
  • Cash Advance Rate: 25.24%
  • Late Fee: Up to $35
  • Cash advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first twelve billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Rewards MasterCard - Excellent Credit Review

Barclaycard is a good to excellent credit score credit card issuer that has put together some very attractive cards even for people rebuilding their credit.  For starters, the BarclayCard Rewards Mastercard has a very competitive points system, including double points on gas, groceries, and utilities, and a single point for everything else.  Alone this wouldn't make the card that special, however, this rewards system comes with 0% intro APR for 12 months, which is an extended period of time for a competitive rewards card like this. 

In the grand scheme of things, the Barclaycard Rewards Mastercard is a solid entrant in a very competitive space.  The "Excellent" credit version simply has a $25 higher bonus fee (it offers $50), but we think that the services from the Chase Sapphire Preferred  or the American Express Gold Card are also worth exploring if you have excellent credit. 

In the end, the Barclaycard Rewards Mastercard for Excellent credit is a decent rewards credit card for people looking on the lower end of excellent credit.  It might not have all of the bells and whistles, but for responsible users this card is a great way to get access to top notch rewards while getting up to 750+ - and a $50 signup bonus when using the card in the first few months isn't bad either.