The Barclays Premier Rewards Credit Card, issued by Barclays Bank UK PLC, is designed for customers seeking an accessible credit solution that also brings valuable everyday benefits. As part of the Visa network, it ensures worldwide acceptance and competitive exchange rates when traveling abroad.
The goal of this review is to provide a complete analysis of this card, covering its main features, advantages, disadvantages, and a clear step-by-step guide on how to apply. By the end, you’ll have a comprehensive understanding of whether this card is the right choice for your financial lifestyle.
Main features of the Barclays Premier Rewards Credit Card
The Barclays Premier Rewards Credit Card is a Visa credit card that focuses on cashback and convenience. Its standout characteristic is that it does not charge any annual fee, making it a cost-effective option compared to premium cards that often demand high maintenance costs.
Additionally, it offers a representative APR of 28.9% (variable), which is subject to approval and based on your financial profile. The card emphasizes practicality, especially for international use, since it does not apply fees on foreign transactions or cash withdrawals abroad.
Requirements for approval
To qualify for this credit card, applicants must meet some specific conditions. You need to have a minimum personal income of £20,000 per year, a permanent UK address for at least two years, and a proven record of responsible credit management for four years or more.
Barclays also requires applicants to be 21 years or older and free from bankruptcies or judgments within the past six years. The application involves a credit check, which means factors like your borrowing history and financial circumstances will influence approval. Because of this, the card is better suited for individuals with a solid credit background.
Benefits of the Barclays Premier Rewards Credit Card
One of the most attractive aspects of this card is its cashback program. By default, customers receive 0.25% cashback on eligible purchases throughout the year. For a limited period, those who apply by August 4, 2025, will earn an extra 0.25% cashback on eligible purchases until November 30, 2025. This temporary promotion effectively doubles the cashback rate for the first few months.
Exclusive highlight
Unlike many basic cashback cards, the Barclays Premier Rewards Credit Card provides free additional cardholders, giving families or couples the flexibility to share the benefits without extra costs. This makes it particularly useful for households managing shared expenses.
Disadvantages and points of attention of the Barclays Premier Rewards Credit Card
Despite its advantages, the card does come with some limitations. The cashback rate of 0.25%, while reliable, is relatively modest compared to rewards programs offered by premium or high-fee cards. Even with the temporary promotional boost, long-term returns might feel limited for customers who spend heavily.
Step by step to apply
Applying for the Barclays Premier Rewards Credit Card is simple and can be completed online in just a few minutes. First, use the eligibility checker, a free tool that tells you whether you’re likely to be accepted without affecting your credit score.
If you choose to proceed, fill out the online form with personal, financial, and employment details. Barclays provides an initial response within one minute, and if approved, your card is typically delivered within seven working days. In some cases, applicants may be required to provide additional proof of income, such as bank statements or payslips.
Who is the Barclays Premier Rewards Credit Card ideal for?
This card is especially suitable for frequent travelers and individuals who want to avoid high fees on international transactions. The absence of foreign exchange charges makes it an appealing choice for anyone who regularly shops or withdraws money abroad.
