Barclaycard Rewards credit card UK review, 0.25% cashback, no foreign fees and no annual fee

Key features of the Barclaycard Rewards credit card

The Barclaycard Rewards credit card is aimed at everyday spenders and travellers in the UK, offering 0.25% cashback on most purchases with no annual fee. Cardholders get Visa’s exchange rate and no foreign transaction fees, making it practical for holiday spending without extra charges.

It carries a representative APR of 28.9% variable, so it’s best used by those who pay their balance in full each month to keep the cashback as pure savings. The card also includes access to the Barclaycard app and online account tools for quick management and alerts.

Everyday cashback and travel perks

With the Barclaycard Rewards credit card you’ll earn cashback automatically; small but steady returns on groceries, bills and commuting costs can add up over a year. The annual cashback is a simple benefit—no point systems or confusing tiers—ideal if you want straightforward rewards on UK spending.

For travellers, the lack of foreign fees is the real draw: purchases abroad are charged at Visa’s rate without the usual 2–3% surcharge most UK cards apply. That, combined with no annual fee, makes the card a sensible secondary option for regular short-haul and European travellers.

Costs, APR and eligibility explained

Despite the no annual fee and no foreign transaction fees, the Barclaycard Rewards credit card comes with a fairly high representative APR, so carrying a balance can be expensive. It’s designed for people who clear their statement each month or treat it as a travel-friendly charge card rather than borrowing month-to-month.

Barclaycard typically asks for a minimum income around £20,000 and looks for a solid credit history, so use the Barclaycard eligibility checker first to avoid unnecessary hard searches on your credit file. Meeting the income threshold isn’t a guarantee, but it helps the approval odds.

Applying, managing and comparing options

Apply online after running the eligibility checker — the process is straightforward and the Barclaycard app lets you track purchases, set payment reminders, and manage cashback. The app is handy for keeping on top of spending habits and ensuring you don’t pay interest that would outweigh your cashback gains.

Compare the Barclaycard Rewards credit card against rivals if you want higher cashback or additional perks: some cards offer bigger rates or welcome bonuses but often charge an annual fee. For many UK households, this card balances low cost, no foreign fees and simple cashback in a no-nonsense package.