Awards and rewards for an average credit

intro purchase APR no intro offerregular APR25.24% Variable
intro BT APR no intro offer BT fee 3% min $5
rewards 1-2 points/$1 
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point on all other purchases
  • redeem points towards your statement balance to offset purchases
fair credit required

2X points on gas, utilities and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases

No annual fee

Points don't expire as long as account is open, active and in good standing

Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10

No limit on the number of points you can earn or redeem

Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed

Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Editors Review


  • No annual fee
  • 2x points on groceries, gas, utilities (excluding Target and Walmart®)
  • 1 point per mile spent on all other purchases, no cap
  • Redeem points for shopping, flights, dining and more
  • Free FICO score for cardmembers


  • High 25.24% APR on purchases and balance transfers
  • 3% foreign transaction fee


A card for average credit is not expected to have the best benefits and rewards. Surprisingly, this card offers a very competitive cash back rate 1%-2% and no annual fee. A high APR will keep people from carrying a balance on the card, but regardless, it is not a good idea to carry a balance while trying to build or rebuild your credit. Comparing to Capital One Platinum card, Barclaycard offers a good cash back so we would recommend going for Barclaycard.   

Last updated: 04/02/2018

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