28 Things You Should Know About Barclaycard Credit Cards

We’ve covered all the major credit card issuers with what you should know about them, but somehow managed to miss Barclaycard (several readers let me know about this). So without further ado, here are 23 things you should know about Barclaycard credit cards.

The List

  1. Barclaycard almost exclusively pulls the TransUnion credit bureau. Depending on where you live, this can be a big plus as they are frequently not used and it’s good to be able to spread your hard pulls across the three credit bureaus.
  2. We don’t know if they’ll pull another bureau if you have TransUnion frozen and still approve you. That’s because most people freeze their reports with Equifax/Experian to try and get more inquiries on TransUnion.
  3. They send out a lot of targeted spending offers, so keep an eye on your e-mail and mail. Frequent offers include, spend $500 for three months and receive 15,000 miles/points and 2x bonus points in different categories.
  4. It’s mixed results with retention offers. Sometimes you can get the annual fee waived, sometimes you can’t. They seem to prefer to offer the targeted spending offers mentioned above instead. You can read more about tactics for retention here.
  5. Most of the Barclaycard credit cards come with no annual fee versions, and it’s possible to downgrade to them. This might be useful if you want to increase your average age of accounts.
  6. They will usually match a higher sign up bonus as long as you request the match within 30 days of account opening. It’s always worth a call though even if you’re outside this 30 day period.
  7. The time your minimum spend must be met begins as soon as your card is approved.
  8. You can ask for your credit card to be expedited, but they charge a $15 fee (might now be lower according to the comments). Customer service representatives can and will waive this fee sometimes, so just make sure you have a valid reason for wanting it expedited.
  9. They won’t issue you an instant credit card number either. So that option is out the window.
  10. On Barclaycard branded cards (e.g Arrival) the sign up bonus will post with the transaction that met the minimum spend requirement. On co branded cards (e.g Wyndham) it’ll post after the statement closes in which you meet the minimum spend requirement. Don’t think there is anyway to get these expedited.
  11. If you’re not approved for a Barclaycard credit then call their reconsideration department. If you’ve never called reconsideration before, then read this guide first.
  12. Barclaycard will regularly offer credit limit increases, but if you initiate one yourself it’ll result in a hard pull. Some phone representatives will be able to process this as a soft inquiry though, just ask in advance.
  13. When it comes to reallocating credit, the rules are tricky. No matter what, if they allow you to do it it’ll be a soft pull. They are more likely to offer this when you open a new card or close an old card. Full rules found here.
  14. Barclaycard card’s are churnable, meaning you can get the sign up bonus on cards more than once. If you get approved, you’ll get the sign up bonus. The difficult thing is getting the card approved, you’ll need to have cancelled the previous card and usually a wait for at least six months is required. In addition it’s a good idea to be putting spend through any existing Barclaycard credit cards before applying for a new card.
  15. There is no hard limit on the amount of credit cards you can have with them. But following the rules in the point above is a good idea (e.g waiting six months in between applications and putting spend on existing applications).
  16. Barclaycard will merge multiple inquiries into a single hard pull if made on the same day. Maximum of three and only one will usually be auto-approved, in my experience extremely difficult to get multiples approved.
  17. If you’re denied for a credit card and you already have at least one credit card with Barclaycard, they usually won’t do a hard pull on your credit report. This isn’t always the case as J points out in the comments, if significant change has occurred in your report (e.g new inquiries) they will still do a hard pull.
  18. You can view your pre-approved offers online. Barclaycard removed this functionality for awhile, but it’s back now. They don’t offer increased bonuses through this checker though.
  19. They report your statement balance to credit bureaus for credit utilization purposes. If you want to lower your credit utilization then simply pay your credit card before your statement closes.
  20. You can also change this statement closing date by calling the number on the back of your credit card.
  21. They will refund your annual fee as long as you cancel your card within 60 days of the annual fee posting.
  22. They’ll usually waive balances of under $1. Obviously abusing this isn’t a good idea.
  23. They do not report business cards to your personal report which matters for purposes of keeping your credit report cleaner.
  24. Barclay’s will reinstate a closed credit card account soon after it was closed if you change your mind and decide you want the card.
  25. They do not offer a public referral program, so no getting points/miles cash back for referring your friends. Although they sometimes offer targeted promotions. Thanks to Moe for pointing this out.
  26. Their cards support chip + PIN functionality. Most other credit cards have EMV chips, but they are chip + Signature. Barclaycard allows you to set a PIN, this is extremely useful when traveling internationally where chip + PIN is the standard (less explaining that they can still swipe it or use chip + Signature) and it also means that unmanned kiosks will work.
  27. You can check your credit card’s application status online.
  28. If you make a partial or full payment and have auto pay set up they will pull the full amount.

Final Thoughts

Hopefully everybody found this helpful, this is the last credit card issuer we’re going to be covering in this series (unless I’m an idiot and have missed a major issuer again). You can view the posts on other issuers below:

If any of the information above is wrong or if you think I missed something, let me know in the comments and I’ll be sure to update it. If you liked this content, why not follow me on Twitter & share it?

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Matthew

Based on some comments, I thought Barclay lowered the cancel timeframe to 45 days, but when I called recently she confirmed it was 60 (at least for the Arrival Plus).

TJ
TJ

The churn rules must have changed. I got declined for AAdvantage Aviator red because

“Our records show that you already have or had the maximum allowable number of this product with us”.

I closed the card back in December.

Rupert
Rupert

I got denied for the AA Aviator Red because of “Too many bankcards opened in the past 24 months”. The recon line was polite but wouldn’t budge. I’m at 6/24 but figured I’d give it a shot. The annoying thing is the hard pull on Transunion. What a waste. Be careful.

Ryan
Ryan

Applied for barclays biz AA card, instant denial, called recon and was told explicitly by the rep its because I’m 6/24 (guess i have an approval date wrong in my spreadsheet, thought i was 5/24). Advised to wait for 1 more to fall outside 24 months and re-apply. Didn’t realize 6/24 applied to Barclay’s Biz cards well. William Charles maybe add 6/24 to the list as the rep said it’s a hard coded rule for the bank and no rep can override a denial for being 6/24 or over.

Mark
Mark

Applied for JetBlue Plus Card online. Instant approval. Called immediately to inquire about expedited shipping. The rep confirmed $15 FedEx but stated it could not be waived except for fraud on the account or a bank error.

Sa
Sa

If you have applied for the same card less than six months ago, they will decline without even pulling credit.

Bonus_Chaser
Bonus_Chaser

In reference to item #21, AF will be refunded per following statement verbiage:

“ANNUAL FEE RENEWAL: We are notifying you that your account will renew and an annual fee of $89.00 will be billed to your account on your next billing statement. You may choose to call us at 866-558-1107 within 45 days of receipt of this notification to discuss alternative products that may be available or to close your account so that the fee will not be billed.”

William Charles

Steve

My statement had that note too. But when I asked on the phone, they told me I could get a refund within 2 months of the annual fee posting, so 60 days as written here might still be the real limit. Maybe 45 days is if you don’t want to pay the fee at all, vs. after that you’d pay it and then get a credit giving you a negative balance. (Though it’s also possible that the person I talked to was wrong, or their definition of “2 months” is 45 days.)

Matthew

For which product?

B.S.
B.S.

“They will refund your annual fee as long as you cancel your card within 60 days of the annual fee posting.”

FYI the language in my Dec 2019 statement indicates that window is only 45 days, though maybe YMMV and there is some grace period.

Maurice P.
Maurice P.

Applied for the Aviator Red card, was denied (lacking Transunion history). Called recon line and spoke to rep who was able to pull my Equifax and after answering a few questions she was able to approve! She said she could have pulled Experian as well but I have way too many inquiries. Major props for providing the recon line guide, no reason to be nervous… gotta love this site!

Waingro
Waingro

Just called Barlcay recon phone #, and they can not reverse a denial due to reason “The number of bankcards opened within the last 24 months”

dmoney
dmoney

Which card?