Barclaycard Rewards Credit Card: Cashback and Terms

What is the Barclaycard Rewards credit card?

Barclaycard Rewards is a UK credit card built around everyday cashback rather than points, miles or a transferable airline currency. [3] Its headline features, as set out by the issuer, are 0.25% cashback on eligible purchases, no fees abroad, and purchase protection on items costing over £100, which Barclaycard describes as a feature that comes with every UK credit card, subject to conditions. [3] [5]

Barclaycard is a trading name of Barclays Bank UK PLC, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under Financial Services Register number 759676, registered in England as number 9740322 at 1 Churchill Place, London E14 5HP. [3] The card also features on the issuer's rewards card listing alongside its Avios cards and balance transfer products. [5]

How much cashback does it pay and when is it credited?

Barclaycard pays 0.25% cashback on everyday spending, and the rate shown across its card listing is the same. [3] [5] Cashback accrues on new purchases that the cardholder makes, so the rate is a return on spending rather than on balances moved to the card. [3]

The cashback is credited to the statement annually, or on the cardholder's request. [3] Separately, cardholders can register for Barclays Cashback Rewards to earn cashback on everyday spending at a range of participating retailers, which operates under its own terms. [3]

What APR and fees apply?

The representative example on the card page is 28.9% APR variable with a purchase rate of 28.9% p.a. variable, calculated on a £1,200 credit limit. [3] [5] Barclaycard notes that approval and the terms offered depend on financial circumstances and borrowing history, so the rates a customer receives may differ from the representative figures, and it may instead offer an APR of 31.9% variable. [3]

On foreign use, the card page says there are no fees abroad, that cash can be taken from an ATM or purchases made without charges, and that the Visa exchange rate applies; the fee on all cash withdrawals is 0.00%. [3] Standard and cash interest rates move up and down in line with the Bank of England Base Rate or for other reasons set out in the card's terms, and Base Rate changes do not apply to promotional interest rates. [3] New accounts are set up with digital statements, with paper statements available on request. [3]

Exceptions and limits

• Excluded spending. Cashback is not paid on balance transfers, money transfers, cash withdrawals, buying currency or traveller's cheques, or cash-like transactions such as money orders or wire transfers, and gaming-related transactions such as gambling, betting and lottery tickets are also excluded. [3]
• Rate variation. The advertised rates are representative only; the issuer may offer a different APR, including 31.9% variable. [3]
• Credit limit adjustments. If a balance transfer is requested, Barclaycard says the credit limit might go down where the transfer is not completed within 60 days of the account being opened. [3]
• Channel Islands and Isle of Man applicants. Applicants living there must hold a Barclays current account open for at least two months at the time of application, and it must be their main account, whether sole or joint. [3]
• Application requirements. Applicants must be 18 or over and supply address details for the last two years, contact details, employment details, income before and after tax, monthly outgoings and main bank account details; in some cases copies of the last two bank statements or payslips are needed. [3]
• Additional benefits carry their own conditions. A free additional cardholder is available with terms applying, and the entertainment perks and registered retailer cashback are each subject to their own terms. [3]

Frequently asked questions

Does the Barclaycard Rewards card charge foreign transaction fees?

The card page says there are no fees abroad, so cardholders can withdraw cash from an ATM or make purchases without charges, using the Visa exchange rate. [3] The fee on cash withdrawals is 0.00%. [3]

When is the cashback paid?

Barclaycard credits cashback to the statement annually, or on the cardholder's request. [3]

Do cash withdrawals earn cashback?

No. Cash withdrawals, currency purchases and traveller's cheques are among the transactions excluded from the 0.25% rate. [3]

What interest rate will I be offered?

The representative APR is 28.9% variable and the purchase rate is 28.9% p.a. variable, but Barclaycard says the terms offered depend on circumstances and borrowing history, and it may offer 31.9% APR variable instead. [3]

Can I add another cardholder?

Yes. A free additional cardholder can share the account, with terms applying. [3]

Related pages

Glossary: loyalty and credit card terms, including how cashback, statement credit and representative APR are defined. The same terms glossary explains the wording used in card agreements, and the full terms index lists related concepts such as apr, cashback and statement credit. Cardholders comparing this product with airline cards can start from the glossary home.

Sources

Sources checked on 18 October 2026. Other Barclaycard products shown on the same issuer listing, including the Avios cards, the Platinum balance transfer cards, the Forward card and the Amazon Barclaycard, are not covered here. [terms]

1. Barclaycard Rewards card page, checked 18 October 2026
2. Barclaycard all credit cards listing, checked 18 October 2026