"Things Are Looking Up!!"
Barclaycard Rewards MasterCard® Review
Written by: boobie1998 on 2015-08-04
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
boobie1998's review: 
I am so excited to post this review! I received this "pre-selected" offer in the mail for this card. I was really hesitant on applying, because years back, I had a Juniper MasterCard, which was issued by Barclay's, and sadly I defaulted on the account. But the offer was so tempting, this card could get me into PRIME land for the first time since I started to rebuild last year. So I took a deep breath and put in the selection number given, and my heart sunk...got the 7-10 day message, and thought, "oh no, they found the old account, its going to be a denial". So I blew it off and went to bed. In the morning, I got an email from them...APPROVED!!! I was stunned! Starting credit line $1000!! NO annual fee!! This card has rewards baby! Oh yeah! Possible increase for higher credit line in 5 months! This card is for someone with "fair" credit, and I don't believe I'm there yet, with a FICO score of 604...(which this card gives you for FREE!) but I've come a long way, all my sub-primers have helped me for. Interest rate a little high, my offer was 22.99%, which is lower than the rate stated at their website (24.99%). I get 2 points for every dollar spent on groceries, gas and utilities, and 1 point anywhere else. And rewards offers start at as little as 1000 points. Cash back, statement credits, gift cards No limits on what you can earn. All they require is account usage, which is even further defined as NO MORE than 3 months of inactivity, and kept in good standing, or you run the risk of rewards forfeiture.... I'm so happy. Never did I think that Barclay's was forgiving, but they were...Capital One too, I can't in good conscience forget them and they have helped me with second chances. Even First Premier gave me a second chance with their crappy card. Online site is wonderful, and so is the app on my I-phone, and the card is available for Apple Pay as well. I received a very nice welcome e mail from them too...I just felt like they WANT me as their customer? What a good feeling that I didn't have to put out a bunch of money to get a card to rebuild. I guess the hard work is paying off finally... The card also has a chip built into it already for greater security. Customer service was slightly hard to understand when I called to activate, but not too bad. I hope all of you can share my joy in this milestone. I truly hope all of my reviews have helped someone out there. All the best to you all...
I am so excited to post this review! I received this "pre-selected" offer in the mail for this card. I was really hesitant on applying, because years back, I had a Juniper MasterCard, which was issued by Barclay's, and sadly I defaulted on the account. But the offer was so tempting, this card could get me into PRIME land for the first time since I started to rebuild last year. So I took a deep breath and put in the selection number given, and my heart sunk...got the 7-10 day message, and thought, "oh no, they found the old account, its going to be a denial". So I blew it off and went to bed. In the morning, I got an email from them...APPROVED!!! I was stunned! Starting credit line $1000!! NO annual fee!! This card has rewards baby! Oh yeah! Possible increase for higher credit line in 5 months! This card is for someone with "fair" credit, and I don't believe I'm there yet, with a FICO score of 604...(which this card gives you for FREE!) but I've come a long way, all my sub-primers have helped me for. Interest rate a little high, my offer was 22.99%, which is lower than the rate stated at their website (24.99%). I get 2 points for every dollar spent on groceries, gas and utilities, and 1 point anywhere else. And rewards offers start at as little as 1000 points. Cash back, statement credits, gift cards No limits on what you can earn. All they require is account usage, which is even further defined as NO MORE than 3 months of inactivity, and kept in good standing, or you run the risk of rewards forfeiture.... I'm so happy. Never did I think that Barclay's was forgiving, but they were...Capital One too, I can't in good conscience forget them and they have helped me with second chances. Even First Premier gave me a second chance with their crappy card. Online site is wonderful, and so is the app on my I-phone, and the card is available for Apple Pay as well. I received a very nice welcome e mail from them too...I just felt like they WANT me as their customer? What a good feeling that I didn't have to put out a bunch of money to get a card to rebuild. I guess the hard work is paying off finally... The card also has a chip built into it already for greater security. Customer service was slightly hard to understand when I called to activate, but not too bad. I hope all of you can share my joy in this milestone. I truly hope all of my reviews have helped someone out there. All the best to you all...
8 Comments
Comment 1 by wanderer
Re: Things Are Looking Up!! 
on 2015-08-05
Congrats on your scoring a good card. Barclay's is known to be conservative and yet they seem to like to give credit limit increases. Use the card and it should reward you.!
on 2015-08-05 Congrats on your scoring a good card. Barclay's is known to be conservative and yet they seem to like to give credit limit increases. Use the card and it should reward you.!
Comment 2 by john7181
Re: Things Are Looking Up!! on 2015-08-08
This is a card I've considered. Thanks for sharing!
on 2015-08-08 This is a card I've considered. Thanks for sharing!
Comment 3 by breakinger
Re: Things Are Looking Up!! on 2016-02-24
I received an offer for this card in the mail the other day. I've never had any experience with this company so I'm not sure if I should apply for it or not. It sounds like they offer a really great rewards plan, which is perfect for me. Thanks for the detailed information.
on 2016-02-24 I received an offer for this card in the mail the other day. I've never had any experience with this company so I'm not sure if I should apply for it or not. It sounds like they offer a really great rewards plan, which is perfect for me. Thanks for the detailed information.
Comment 4 by boobie1998
Re: Reply To Breakinger on 2016-05-25
Breakinger...just wondered if you went ahead with the card...I'm starting to have mixed feelings on it...I haven't had any problems with it, but when I got it in my offer it said I was to be reviewed for a higher credit line after 5 on time payments, well I'm up to 10 now, and I haven't had a CLI yet...still at my original $1000 line. I did inquire about it once thru customer service as to why I was overlooked, and I just got a dumb reply with a bunch of blah blah blah...how they "periodically review accounts" and "that there is no guarantee for a CLI". Of course, I was told i could ask for one...with a hard pull of course...no thanks. So I haven't really been rewarded for my good behavior yet...so I'm feeling uneasy on this one now...the rewards are as stated...but I thought I'd get a higher line by now, which has not happened...good luck to you.
on 2016-05-25 Breakinger...just wondered if you went ahead with the card...I'm starting to have mixed feelings on it...I haven't had any problems with it, but when I got it in my offer it said I was to be reviewed for a higher credit line after 5 on time payments, well I'm up to 10 now, and I haven't had a CLI yet...still at my original $1000 line. I did inquire about it once thru customer service as to why I was overlooked, and I just got a dumb reply with a bunch of blah blah blah...how they "periodically review accounts" and "that there is no guarantee for a CLI". Of course, I was told i could ask for one...with a hard pull of course...no thanks. So I haven't really been rewarded for my good behavior yet...so I'm feeling uneasy on this one now...the rewards are as stated...but I thought I'd get a higher line by now, which has not happened...good luck to you.
Comment 5 by breakinger
Re: Things Are Looking Up!! on 2016-05-26
Boobie1998, I didn't get a chance to apply for this card yet and from the way it sounds I'm not sure if I should. I still like the rewards aspect of this card, but if they are that stingy on giving CL increases then it doesn't sound like the card for me. I'm very responsible with making my payments and I don't want to be pushed to the side and told that my account needs to be periodically reviewed. I hope that you have better luck with this card in the future and please keep me updated.
on 2016-05-26 Boobie1998, I didn't get a chance to apply for this card yet and from the way it sounds I'm not sure if I should. I still like the rewards aspect of this card, but if they are that stingy on giving CL increases then it doesn't sound like the card for me. I'm very responsible with making my payments and I don't want to be pushed to the side and told that my account needs to be periodically reviewed. I hope that you have better luck with this card in the future and please keep me updated.
Comment 6 by rsty99
Re: Things Are Looking Up!! on 2016-06-04
Have had this card for a year now at cl $6300.00 No problems. Also got auto cli.
on 2016-06-04 Have had this card for a year now at cl $6300.00 No problems. Also got auto cli.
Comment 7 by boobie1998
Re: Reply To Rsty99 on 2016-06-04
Hello...I'm glad you had a good experience with it...I'm not having any "problems" per se...just no increases at all, will have it one year in July 2016...just losing interest in the card, never got the one stated in my pre approved offer after the 5 on time payments...I'm just paying it off and will probably stop using it then...I don't like cards that won't grow with me...all my other cards do...there is just no incentive for me anymore.
on 2016-06-04 Hello...I'm glad you had a good experience with it...I'm not having any "problems" per se...just no increases at all, will have it one year in July 2016...just losing interest in the card, never got the one stated in my pre approved offer after the 5 on time payments...I'm just paying it off and will probably stop using it then...I don't like cards that won't grow with me...all my other cards do...there is just no incentive for me anymore.
Comment 8 by rsty99
Re: Things Are Looking Up!! on 2016-06-05
What I saw across the credit review sites is that Barclay does not like to see any new credit lines for 6 months to a year after opening an account with them.
on 2016-06-05 What I saw across the credit review sites is that Barclay does not like to see any new credit lines for 6 months to a year after opening an account with them.
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Disclaimer: This content is not provided by Barclays Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Barclays Bank. Review content is powered by Finance Globe.
