90,000 Points
Worth $1,170
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.3%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
Barclaycard Financing
This card is built for someone who wants a no-annual-fee Visa and keeps things simple, especially if they spend regularly with Apple and want a little extra back without juggling categories. It works more like a basic everyday card than a feature-rich rewards card, with modest ongoing cash back and very few extras.
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Apple spending
All information about Barclaycard Financing has been collected independently by MaxRewards. Barclaycard Financing is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Barclaycard Financing worth it?
This card is great for...
Apple purchases
Simple everyday spending
No annual fee setup
The Barclaycard Financing is worth considering if your spending lines up with its limited bonus categories, especially Apple purchases, and you want a straightforward card with no annual fee. Earning 3% back at Apple and 2% on dining is useful if those are meaningful parts of your budget, and the 1% base rate keeps it serviceable for general purchases.
For most readers, though, this is a fairly narrow card. There is no welcome bonus, no listed benefits, and the 3% foreign transaction fee makes it a poor choice abroad. If you want richer everyday rewards, travel perks, or credits that help add value over time, you will likely find stronger options elsewhere. This card makes the most sense for a simple setup centered on Apple spending, not for someone trying to maximize every purchase.
MaxRewards Verdict
A reasonable fit for Apple loyalists who want a simple no-fee card and do not need perks. Outside of Apple and dining, its rewards and feature set are limited.
Earning
Rewards
The rewards structure here is easy to follow: elevated cash back at Apple, a smaller boost on dining, and 1% back everywhere else. That makes it most useful when you can lean on its few stronger categories rather than use it as your only card for all spending.
CategoryRate
Apple
3%
Dining
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
13.99% - 26.99%
Variable
Transfer APR
13.99% - 26.99%
Variable
Cash Advance APR
27.24%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$5
Cash Advance
$10
Late Payment
$39
Return Payment
$39
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
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100,000 Points
Worth $1,000
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 7%GM
- 3%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
70,000 Points
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After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 7.8%JetBlue
- 2.6%Dining
- 2.6%Grocery
Annual Fee
$99
Rec. Credit
Excellent