There are 1.5 billion credit cards in use in the United States. Nearly 180 million of us pull out a card to make purchases, with an average of 3.5 active cards per person. All that plastic flying around facilitates more than convenience — with the right cards, regular use can add up to major rewards. With so many credit...
|Annual Fee||14.99% – 24.99%* Variable|
|Intro APR Promotions||
- Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
- 0% Introductory APR for 12 months on purchases
- No annual fee
- Earn 2 points per $1 on gas, grocery, and utility purchases
- Earn 1 points per $1 everywhere else
- Use the points you earn like cash to pay for almost any purchases you've made.
- No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
- This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts
Excellent Credit NeededLearn more about your credit score
- No annual fee
- 0% APR on purchases and balance transfers for 12 months
- 10,000 points earned after spending at least $750 during the first three months
- Generous rewards program
- 3% foreign transaction fee
- High interest rates on purchases and balance transfers after intro period is over (14.99%-24.99% APR, variable)
- 4% balance transfer fee
- Excellent credit needed for approval
The Simple Dollar’s Review
Those with solid credit looking for a rewards credit card should consider the Barclaycard® Rewards MasterCard® – Excellent Credit. Very unusual for cards with good rewards programs, this Barclaycard Rewards card designed for people with excellent credit boasts no annual fee. While many rewards cards require you to spend $1,000 or more to earn your intro bonus points, this card requires only $750 spent in the first three months to receive 10,000 bonus points. That’s the equivalent of $100 in statement credit. Through the rewards system, you’ll get two points for every dollar you spend on groceries, gas, or utilities, and you’ll receive one point for every dollar you spend on anything else. The best part about it is that there are no caps on the number of rewards points you can receive.
The disadvantages of this card are mostly in the interest rates. If you choose to apply for this card, it’s best if you don’t carry a balance. Depending on your creditworthiness, you’ll be slammed with a 14.99% to 24.99% APR on both purchases and balance transfers once the introductory period is over. What’s more, the card levies a 4% balance transfer fee (1% over the industry standard of 3%), as well as a 3% foreign transaction fee. Otherwise, the Barclaycard® Rewards MasterCard® – Excellent Credit is a great option for people who are looking for generous, easily collected rewards points, especially if you use the card for recurring living expenses like groceries, gas, and utilities.
If you just received notice that your credit limit has been slashed on one of your credit cards, don't panic. You're not alone. And it's not something you should take personally — even rockstar, top-tier borrowers have seen their limits lowered in recent years. It's frustrating, especially if you rely on your credit card for regular purchases or in...
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