Barclaycard Review: A Rewards Card That Pays You for Your Purchases

See why the Barclaycard is one of the top rewards credit cards.

When you’re ready to choose from popular rewards credit cards, consider the Barclaycard CashForward World Mastercard. Cardholders appreciate the sign-on bonus and unlimited cash-back rewards. This solid company offers a few different types of credit cards, so to read on to discover the advantages and disadvantages associated with this Barclaycard rewards card and determine if it’s the right rewards credit card for your lifestyle.

Barclaycard CashForward World Mastercard At a Glance
APR15.99%, 20.99% or 25.99%, based on your creditworthiness
Introductory APR0%  introductory APR for the first 15 months on purchases and balance transfers
Annual Fee$0
Foreign Transaction Fee3%
Cash Advance APR5% of each cash advance, not less than $10
Rewards$200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days
Unlimited 1.5% cash rewards on every purchase
5% cash-rewards redemption bonus to use toward your next redemption
ProsCash rewards can be deposited directly into checking or savings account
Option to choose  gift card instead of cash
Rewards never expire
ConsHigh APR for cash advances
Must accumulate $50 in rewards before requesting a redemption
High APR for customers with imperfect credit     
How to ApplyLearn More

Barclaycard CashForward World Mastercard General Features

The biggest draw of the Barclaycard CashForward World Mastercard is the $200 cash rewards bonus credit card users earn after signing up and spending $1,000 in the first 90 days. If you know you’ll be making a big upcoming purchase, this is a great way to save.

Credit card holders will also appreciate the unlimited 1.5 percent cash back they’ll get on every purchase. Once an account accumulates $50 in rewards, the user can request that the cash be deposited directly into their savings or checking account, added as a credit on a future billing statement, or redeemed for a gift card that’s as good as cash.

As an added feature, Barclaycard Mastercard holders get a 5 percent redemption bonus each time they redeem a cash reward. This amount is applied to a future redemption. For example, if the user cashes out their rewards at $200, he’s given a $10 credit toward his next payout.

Cash rewards never expire as long as the account is open and in good standing.

See: 10 Best High-Limit Credit Cards

Barclaycard CashForward World Mastercard Benefits

In addition to paying cash back, the Barclaycard CashForward World Mastercard offers extra benefits that make it one of the best credit card rewards cards on the market. For example, a $0 fraud liability protection program protects customers against unauthorized charges.

Cardholders who access their accounts using Barclaycard online receive a complimentary FICO credit score and the opportunity to sign up for alerts of changes in the credit score. 

New users can take advantage of the introductory 0% APR on all purchases made within the first 15 months of opening the account. Should you have a balance on another credit card, you can transfer it to the Barclaycard CashForward World Mastercard within 45 days and enjoy a 0% APR on that balance for 15 months.

How the Barclaycard CashForward World Mastercard Compares With Other Barclaycards

Take a look at the best credit cards Barclay has to offer and quickly compare their features to the Barclaycard CashForward World Mastercard:

Barclaycard CashForward World Mastercard vs. Barclaycard Arrival Plus World Elite Mastercard

Unlike the CashForward card, the Arrival Plus World Elite card charges an $89 annual fee after the first year of ownership. This credit card is geared toward world travelers and offers frequent flyers the chance to earn 50,000 bonus miles after sign-up, double miles on all purchases, and 5 percent miles back on all redemptions.

Barclaycard CashForward World Mastercard vs. Barclaycard Barnes & Noble Mastercard

The CashForward and Barnes & Noble cards have a great deal in common, such as the $0 annual fee and introductory 0% APR for balance transfers made during the first 15 months. Where the cards differ is their rewards. The Barclaycard Barnes & Noble Mastercard allows cardholders to earn a $25 Barnes & Noble gift card after making their first purchase plus 5 percent back on every online and in-store Barnes & Noble purchase. You also get two points per dollar at restaurants and one point per dollar on every other purchase. Each time a cardholder reaches 2,500 points, he receives a $25 Barnes & Noble gift card. This card is perfect for bookworms and students who visit Barnes & Noble frequently.

Learn: 7 Best Ways to Use Credit Card Rewards Points

Barclaycard CashForward World Mastercard vs. Barclaycard Visa with Apple Rewards

Consumers who are loyal to Apple products will love the Barclaycard Visa with Apple Rewards. This card provides special financing for Apple product purchases made within 30 days of opening the account. Customers also have the opportunity to earn three points per $1 spent on Apple products, two points per $1 at restaurants and one point per $1 on everything else. In addition, cardholders receive a $25 Apple Store or iTunes gift card each time they reach 2,500 points.

The CashForward card is great for individuals and families who prefer to use their rewards for something different each month. Getting cash back means extra money for groceries one month and additional funds for travel expenses the next. The Barclaycard CashForward World Mastercard is also ideal for any consumer who wishes to transfer a high balance from another card, as they get 15 months with no interest payments on that balance.

Up Next: 17 Credit Cards That Give You Free Credit Scores

  • Anne Marie

    I have had a horrible experience with Barclay. The representatives you speak with are inconsistent. Just spent over an hour on the phone trying to change my address. After speaking to a rude supervisor, I was ‘transferred’ — disconnected. I called back, got a representative from a different department to answer call, and it was fixed within 2 minutes. What a waste of my time. Will be ending my relationship with Barclay.

  • John

    This is the only credit card I use. Never had a problem with them. I pay off the balance every month automatically from my checking account, and regularly claim my 1% back.

  • new cardholder

    I just got this card for the gas rewards because I drive so much. Is there somewhere I can go online to make sure the gas and grocery merchants I am going to qualify for the 2x points?

    • mikefox

      Im a little late, but for everyone else, it is in your statement of transactions in a column to the right

  • Green

    No problem with Barclay’s! Use my MasterCard all the time in conjunction with USAir.
    Get clear answers when I contact them! Dropped Bank America!

  • rjj

    I have been using my card to save up reward points, to use for statement credits. We spend about $200-250 weekly on fuel, which earns double the points. The reason I got the card was for this purpose, which was advertised as a “reward.” I had been paying the balance off every 7th and 21st to keep the card balance low. However, for the past 2 payments, Barclay has decided to put a hold on my payments – for 11 days. This means the money is deducted from my checking account and my Barclay card’s credit balance is reflective of the payment, but my available credit does not take into consideration my payment, which means I cannot use the card. This defeats the whole purpose of having the card. When I called to inquire why my payments were being held, I was first told I needed to wait and make my payment on the due date. When I asked why I cannot pay it early, they changed their story saying I could pay it early but can only make 1 payment a month. Funny thing is, they are holding the first payment I made this month & this billing cycle. So I guess they really don’t want to let people earn rewards. I will be turning in my 6000 points for statement credit, paying anything that is still left over, and closing this account. Taking my business to a card company who doesn’t make empty promises.

  • JJ

    How much is a “point” worth? For example, if I rack of 1,000 points, what does that translate to as far as cashback?