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Rewards MasterCard - Good Credit

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


  • Signup bonus after first use
  • Competitive Rewards System
  • 0% intro APR for 6 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% 24.99% $0 First six billing cycles
  • Purchase Intro Period: First six billing cycles
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 24.99%
  • 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 six 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: Good Credit Score

Rewards MasterCard - Good 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 6 months and is available for people who don't have excellent credit.  Most cards that fall into this category (good or fair credit) have much much less competitive rewards systems and don't have introductory APR periods, so this card is probably the most democratic rewards credit card on the credit card market right now.

However, as always, there are some caveats to these more lax credit checks.  The Barclaycard Rewards Mastercard for Good Credit has a very high APR interest rate after the first 6 months, which means the penalty for late payments can get steep pretty quickly.  Additionally, the card doesn't offer too much else in the way of perks, like upgrades, customer service, or exclusive access.

In the end, the Barclaycard Rewards Mastercard for Good Credit is a fantastic rewards credit card for people looking to get back on track.  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 rebuilding credit - not to mention a $25 signup bonus when using the card in the first few months.