Imagine buying that item of your dreams and getting part of your money back. With Barclays Visa, it’s possible! With every eligible purchase you make, a percentage will be credited to your account as cash back. You can then use this amount to invest in new purchases or even to save as a financial reserve.
But the advantages don’t stop there. With Barclays Visa Avios credit cards, you have the opportunity to earn Avios with every transaction.
These Avios can be used to enjoy flights, hotel accommodation and a multitude of leisure and entertainment options. Travel to exotic destinations, enjoy luxurious stays or treat yourself to unique experiences, all using the Avios accumulated through your daily spending.
Whatever your lifestyle, Barclays Visa are here to reward you. With Barclaycard, you are reimbursed for your new and eligible purchases, while Barclays Visa offer the exciting possibility of accumulating Avios to turn into incredible experiences.
Who is Barclays Visa Credit Card
Barclays Visa is a credit card issued by Barclays, a global financial services company. Barclays offers a range of Visa credit cards with various features and benefits to cater to different customer needs. Visa is a widely accepted payment network that allows cardholders to make purchases at millions of merchants worldwide.
Barclays Visa provides cardholders with the convenience and flexibility of making purchases both online and in-person. It allows cardholders to access a line of credit provided by Barclays, which they can use for their everyday expenses, travel, shopping, and more.
Depending on the specific Barclays Visa, cardholders may enjoy benefits such as rewards programs, cashback offers, travel perks, introductory interest rates, and other features. These benefits can vary based on the type of card and the individual’s creditworthiness.
Barclays is committed to providing secure and reliable credit card services, and they have measures in place to protect cardholders against fraud and unauthorized transactions. Cardholders can also access online account management tools to track their spending, make payments, and manage their credit card account.
It’s important to note that the specific terms, benefits, and features of Barclays can vary depending on the country and the specific card offering. It’s recommended to review the details of each specific card before applying or using it.
Main Advantages for Barclays Visa Credit Card
Take advantage of the financial flexibility our credit cards offer and choose the option that best suits your needs.
With our purchasing card, you can enjoy the convenience of buying today and spreading the payments over time, interest-free during the promotional period.
By staying within your credit limit and paying at least the minimum amount every month, you are in complete control of your finances.
Advantages offered by our credit cards:
Shopping Card:
1. Financial flexibility: Enjoy the convenience of buying today and spreading payments over time.
2. Interest-free promotional period: During the promotional period, you pay no interest on your purchases, as long as you stay within your credit limit and pay at least the minimum amount every month.
Rewards Card:
1. Daily cashback: Receive a 0.25% cashback on all your daily purchases (with some exclusions applying).
2. No fees on purchases abroad: Pay in the local currency and we won’t charge any fees on your purchases made abroad, giving you savings and convenience during your travels.
Both cards:
1. Eligibility check without affecting credit score: We offer an eligibility check that does not affect your credit score, allowing you to make an informed decision before applying for the card.
2. Personalized financial solutions: We offer credit cards designed to suit your lifestyle and financial needs.
3. Global access: Our cards are issued in partnership with the Visa network, widely accepted in millions of establishments around the world.
4. Online account management tools: Access online account management tools to track your spending, make payments and manage your credit card account.
Cons for Barclays Visa Credit Card
Although the Barclays Visa offers a number of benefits, it is important to also consider the possible disadvantages.
Cons:
1. Higher interest rates: If you keep your Barclays balance beyond the promotional period or fail to make payments on time, you may incur high interest rates. The card’s representative APR (Annual Percentage Rate) is 28.9% variable, which can result in significant interest costs if not managed carefully.
2. Rewards exclusions: Although the Barclays Rewards program offers a daily cashback of 0.25% on qualifying purchases, there may be exclusions and limitations on certain types of transactions.
3. Foreign transaction fees: Although Barclays states that there are no fees for purchases made in the local currency when using the card abroad, it is important to note that foreign currency conversion fees may still apply for transactions made in a currency other than the local currency.
4. Annual fees: Depending on the specific Barclays Visa you choose, there may be an annual fee associated with the card. This fee may vary according to the type of card and the benefits offered.
5. Creditworthiness requirements: Approval for Barclays Visa is subject to creditworthiness. Meeting eligibility criteria and credit requirements can be challenging for people with limited or poor credit history.
Barclays Visa Credit Card – How to Apply Online
You can sign up using your laptop, desktop computer or smartphone.
To apply for a Barclays Visa online, you can follow these general steps:
- 1. Visit the Barclays website: Go to the official Barclays website or access the online banking portal.
- 2. Explore credit card options: Navigate to the credit cards section and browse through the available options. Review the features, benefits, fees, and eligibility criteria associated with each card. Choose the Barclays Visa Credit Card that suits your needs.
- 3. Start the application process: Once you have selected the desired Barclays Visa Credit Card, click on the “Apply Now” button to begin the application process.
- 4. Provide personal information: Fill out the online application form with accurate personal details, including your full name, contact information, residential address, employment details, and financial information such as income and expenses.
- 5. Review and agree to terms: Carefully review the terms and conditions, including the interest rates, fees, and the cardholder agreement. Make sure you understand the terms before proceeding.
- 6. Submit the application: Once you have completed the application form and reviewed all the information, submit your application online.
7. Await a decision: After submitting your application, the bank will review your information and assess your eligibility. The approval process may vary in duration, but you should receive a decision within a few business days. Barclays may contact you for further verification or documentation if necessary.
You will remain on the current website
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