Posted by William Charles on February 11, 2016
Credit Cards

Published on February 11th, 2016 | by William Charles


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. Unclear if they report business credit cards to the credit bureaus 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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Barclaycard may not have a hard limit for the number of cards, but they are far more paranoid about the number of their cards they’ll let you have than any other issuer, even with good scores, usage, etc. Three cards are tough, four cards involves pulling teeth.

I have the Arrival+ card. Can I also sign-up for the no-fee version and hold both cards?

I was targeted visitors email to refer and have successfully done so. Bonus was 5k on the arrival plus

“If you’re denied for a credit card and you already have at least one credit card with Barclaycard, they won’t do a hard pull on your credit report.”

Not true. I have an Aviator, and I applied for Arrival in December. I got declined, and I see an inquiry on my TU report.

I don’t know what the hard rule is but I THINK if you have a card already and try to apply for the same card, you will be declined (most likely) and NO HARD PULL will result.

I’d been denied for Arrival+ a couple years ago, so put Barclay’s off my radar. In Jan, got pre-approved offer for Hawaiian for 50k, so applied. Realized after I’d applied that I was also pre-approved for Arrival+, so decided to apply for it that night also (because I’d read they combined pulls). Hawaiian was instant approval; Arrival+ was pending. Quick recon call, told them I wished I’d applied for A+ first, as I like the flexibility, so they offered to split the balance and approved both with full bonuses.
Two weeks later, I decided to apply for a card I thought was Chase, but turned out to be Barclays. I was approved instantly with a small CL. I was really surprised given my last recon call and being told that without a Barclay’s history, I’d need to wait at least 6 months to get an approval or a CLI.
So, 3 cards in 2 weeks, all with no history with Barclays.

Number 12 is wrong to some extent. Most of the time, a credit limit increase is a hard inquiry. However, I’ve also been successful multiple times in getting a phone representative to only do a soft inquiry. I had more luck when calling during business hours.

I’ll also chime in with my data point: I called to try getting the A+ annual fee waived with no luck, but they gave offered me a CLI with no hard pull, and I took it.

Similar situation as well. I saw a thread on myFico about calling and asking to have your APR reduced. You will get transferred and then ask the rep that gets on the line if they have any other offers available on your account.

My experience is that it works but I’ve never gotten more than $500 increase that way.

“as they are frequently not used” what do you mean by that? On my Transunion report there’s like 19 inquiries and on the other 2 bureaus there’s only like a handful hardpulls combined! In other words: my TU report is the one taking the brunt for all inquiries and I’m glad if a new issuer pulls EQ or EX for a change…

I had Arrival Plus and downgraded it to Arrival 7 months ago? Can I get Arrival Plus again and get the bonus?

Did you try? Any Data points?

you missed one — all their cards support chip+PIN for unattended kiosks in other countries.

The real chip pin is a major feature for travelers, works on tolls and transit vending machines. Signature chip cards suck in these machines.

Chuck, have you noticed that for auto payments, they don’t account for any payments you’ve already made prior to the payment due date? With Chase and AMEX, auto payment will calculate the remaining balance of the statement amount. With my Barclay Arrival Plus, they don’t account for any payments made already and will deduct the full statement balance from my bank. This is annoying because occasionally they’ll deduct more than the total balance because I like making small payments throughout the billing cycle to keep total balance down. I have to cancel auto payment, because otherwise, they’ll deduct the full amount every single time.

Maybe you can add that to the list.

I think you’re saying that they’ll always pull the full SPENT amount on the auto-pay, even though it was already partially paid off before the statement closed. That is crazy!

Yes, exactly. For example if the statement balance is $10k, and i setup a recurring bill payment for $1k every week from my bank (eg Discover Checking for that 10 cent bonus), Barclay will still pull the full $10k on the auto pay date. This doesn’t happen with AMEX, Chase, or Citi.

This is important to note because if people didn’t know about this, they might not have enough money in the bank to make the auto pay.

Wait, I need to clarify. What you said is different than what I said. If I make partial payments AFTER statement closes, Barclay doesn’t recalculate the auto payment amount. Chase and AMEX will.

Ahhhh, okay, not as bad. Thanks Susan, maybe I’ll post that info.

The reason I noticed is because I have a Discover Checking account that gives me 10 cents per bill pay. I have weekly recurring payments setup on Discover, but I also have auto payment setup on the credit card website to “catch” the remaining balance.

Barclay is the only one that pulls the full statement amount. I have AMEX, Chase, Discover, Citi, and US Bank. I’ve had to cancel auto pay for Barclay but get nervous about forgetting to pay the full amount.

I have Discover too. Curious how much are you getting per month using the auto pay method? I’m paying about 6-8 cards per month and have thought about splitting the payments but was worried it might be deemed as abuse

I recently (Jan 2016) applied for the card and had the card overnighted for a fee of $15.00. I had a large spend opportunity pop up and it was well worth the $15.00 fee. My one issue with Barclay arrival is that the charge has to be over $100 to use your miles. I had an hotel and they broke the bill out into more than one charge and as a result I couldn’t use my awards. No one charge was over 100. I can use miles but I had plan on using it toward this trip.

it appears that I am banned by Barclay due to US airways churn. everytime I applied, I will get an auto deny and when I call, they said they can’t approve and no escalation is possible. any idea to unblock me?

#8 is now changed to 15$ for the express delivery. atleast to arizona. not sure it might change based on address.

JUST applied for Hawaiian Airlines and did not get instantly approved. Do you have a telephone number to call to negotiate?

Applied for Arrival+ in March and was status pending. Called recon and was able to get approved. Seems they were concerned that I had recently opened two other cards (BoA Travel and Chase United) in the last two months.

Applied for annual fee Wyndham, Choice Hotels, and NFL on 6/1, trying to get the multiple pulls on one inquiry. All three were sent to pending status. Called recon, and was able to get Wyndham approved. After three successive calls I was unable to get another approved. Both are now showing as declined in my application status screen.

Their major complaint was with the number of new accounts I have. I have been aggressively pursuing the BoA MLB cash rewards cards, and they mentioned that due to several BoA lines open with few or zero months of history they weren’t ready to extend me any additional credit.

I asked when they would recommend reapplying, and all three reps were unwilling to provide a timeline, other than one who said – “when you feel you have built enough credit history to try again.”

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