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Barclaycard / Barclays

Barclaycard Rewards Credit Card

A no-annual-fee UK rewards credit card from Barclaycard offering 0.25% cashback on eligible purchases and no fees abroad on purchases and ATM withdrawals. It is more useful as a travel-spending card than as a high-cashback card.

cashbackBest for UK users who want a simple low-rate cashback card with strong overseas spending benefits.
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Barclaycard Rewards Credit Card

Highlights

Main benefits

  • No annual fee
  • 0.25% cashback on eligible purchases
  • No fees abroad on purchases
  • No fees abroad on ATM withdrawals
  • Good for overseas spending
  • Better travel card than cashback card
  • Simple cashback structure
  • Useful backup card where Amex is not accepted

Fees

Fees and charges

Joining fee

£0

Renewal fee

£0

Annual fee waiver

Not applicable because the card has no annual fee.

Who can apply

Eligibility

Subject to Barclaycard credit checks and approval. Barclaycard’s current listing focuses on the card’s 0.25% cashback, no fees abroad, and no annual fee.

Checklist

Documents required

  • Identity details
  • UK address details
  • Income and employment details
  • Financial information
  • Bank account details

Process

How to apply

Apply online through the official Barclaycard UK website. Users can check eligibility before applying.

Value

Reward and cashback structure

Reward rate

0.25% cashback on eligible purchases. Barclaycard lists the Rewards card as giving 0.25% cashback on everyday/eligible spending.

Cashback

Cashback is earned on eligible purchases at 0.25%. This means:

  • £100 spend = about 25p cashback
  • £1,000 spend = about £2.50 cashback
  • £10,000 spend = about £25 cashback

So the cashback rate is low, but the card becomes valuable because of its travel benefits.

Good fit

Pros

  • No annual fee
  • No foreign transaction fees
  • No Barclaycard ATM withdrawal fee abroad
  • Wider acceptance than Amex
  • Simple cashback on eligible purchases
  • Good for travel and international spending
  • Useful as a backup card alongside Amex cashback cards

Watchouts

Cons

  • Very low cashback rate
  • Only 0.25% cashback
  • No lounge access
  • No premium travel perks
  • Cash withdrawals can still attract interest if not handled properly
  • ATM operators abroad may charge separate fees
  • Not ideal as a primary cashback card for UK domestic spending

Related

Related cards

Amex Platinum Cashback Everyday Credit Card

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Amex Platinum Cashback Everyday Credit Card

A no-annual-fee UK cashback credit card from American Express that rewards everyday spending. It is best for users who want simple cashback and can spend at least £3,000 per cardmembership year to qualify for cashback.

  • No annual fee
  • Earn cashback on everyday purchases
  • 0.5% cashback up to £10,000 annual spend

Joining fees

£0

Renewal fees

£0

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Amex® Platinum Cashback Credit Card

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Amex® Platinum Cashback Credit Card

A paid UK cashback credit card from American Express offering higher ongoing cashback than the Platinum Cashback Everyday card. It is best for users who spend enough every year to justify the £25 annual fee.

  • 0.75% cashback up to £10,000 yearly spend
  • 1.25% cashback above £10,000 yearly spend
  • £25 annual fee

Joining fees

£0

Renewal fees

£25 per year

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Lloyds Ultra Credit Card

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Lloyds Ultra Credit Card

A no-account-fee UK cashback and travel credit card from Lloyds Bank. It gives 1% cashback on all card purchases in the first year, then 0.25% cashback, with no foreign exchange fees from Lloyds on spending abroad. Lloyds also says there are no Lloyds cash withdrawal fees at home or abroad, though local or third-party ATM charges may apply.

  • No account fee
  • 1% cashback in the first year
  • 0.25% cashback after the first year

Joining fees

£0

Renewal fees

£0 account fee. Lloyds describes the Ultra card as having no account fees.

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Santander Edge credit card

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Santander Edge credit card

A Santander UK cashback credit card offering 1% cashback on purchases, capped monthly, with no foreign exchange fees when spending abroad in the local currency. It has a monthly fee, so it is best for people who spend enough to offset the fee.

  • 1% cashback on purchases
  • Cashback capped at £10 per month
  • £4 monthly account fee

Joining fees

£0

Renewal fees

£4 per month

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Amazon Barclaycard Credit Card

Barclays / Barclaycard

Amazon Barclaycard Credit Card

A no-annual-fee UK rewards credit card from Barclaycard and Amazon. It gives Amazon Rewards on Amazon purchases and everyday spending, with rewards redeemable as Amazon.co.uk gift cards.

  • No annual fee
  • 1% back on Amazon purchases
  • 0.5% back on non-Amazon purchases for first 12 months

Joining fees

£0

Renewal fees

£0. Amazon and Barclays state that the Amazon Barclaycard has no annual fee.

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Tesco Bank Clubcard Credit Card

Tesco Bank

Tesco Bank Clubcard Credit Card

A Tesco Bank credit card that lets users collect Clubcard points when they spend. It is especially useful for Tesco shopping and Tesco fuel because it gives extra Clubcard points compared with using a normal non-Tesco credit card.

  • Collect Clubcard points on Tesco spending
  • Extra Clubcard points on Tesco Fuel
  • Clubcard points on non-Tesco spending

Joining fees

£0

Renewal fees

Depends on the exact Tesco Bank Clubcard credit card product selected, but Tesco’s main Clubcard credit card rewards page focuses on earning Clubcard points rather than annual fees. Check the chosen product page before publishing.

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Compare

Compare Cards

FieldBarclaycard Rewards Credit CardAmex Platinum Cashback Everyday Credit Card
Bank/providerBarclaycard / BarclaysAmerican Express
Joining fee£0£0
Renewal fee£0£0
Best forUK users who want a simple low-rate cashback card with strong overseas spending benefitsEveryday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points
Reward rate
  • 0.25% cashback on eligible purchases
  • Barclaycard lists the Rewards card as giving 0.25% cashback on everyday/eligible spending
  • Earn cashback on eligible purchases at these rates:
  • 0.5% on the first £10,000 of purchases in the cardmembership year
  • 1% on purchases above £10,000 in the cardmembership year
  • 0.5% at UK warehouse retailers
Cashback
  • Cashback is earned on eligible purchases at 0.25%
  • This means:
  • £100 spend = about 25p cashback
  • £1,000 spend = about £2.50 cashback
  • Cashback is credited to the card account once per year during the card anniversary month
  • To receive cashback, the cardholder must spend at least £3,000 in eligible purchases during the cardmembership year
Lounge accessNoNo
Fuel surcharge waiverNoNo
Welcome benefitNo major public cashback welcome bonus is highlighted on the current Barclaycard Rewards official listing
  • Usually an introductory cashback offer may be available for new eligible cardmembers, but it can change
  • Amex says introductory offers are not available if the applicant currently holds or has held another personal American Express card in the past 24 months
Annual fee waiver conditionNot applicable because the card has no annual feeNot applicable because the card has no annual fee
Eligibility
  • Subject to Barclaycard credit checks and approval
  • Barclaycard’s current listing focuses on the card’s 0.25% cashback, no fees abroad, and no annual fee
  • UK residents
  • Age 18+
  • Subject to status and credit approval
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