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Barclays review

Updated September 29, 2026 · DebitCue Editorial Team · Facts checked September 28, 2026

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Our verdict

Barclays suits JetBlue travellers who want points on airline spend with annual fee of $0 and currency conversion fee of 0% on a Mastercard issued by Barclays Bank Delaware. You carry a variable APR of 19.49% to 29.49% alongside balance transfer terms of 12 with fee of 5%, so paying in full each cycle matters.

Key facts

Best for
JetBlue travellers seeking points with free conversion abroad
Annual fee
$0 (Source, checked September 28, 2026)
APR
19.49% to 29.49% (Source, checked September 28, 2026)
Currency conversion fee
0% (Source, checked September 28, 2026)
Rewards type
Points (Source, checked September 28, 2026)
Rewards rate
3X JetBlue, 2X restaurants/grocery, 1X other (Source, checked September 28, 2026)
Balance transfer intro period
12 months (Source, checked September 28, 2026)
Balance transfer fee
5% (Source, checked September 28, 2026)
Perks
50% inflight savings, Points Payback statement credit, Mosaic progress (Source, checked September 28, 2026)
Card kind
Credit (Source, checked September 28, 2026)
Legal entity
Barclays Bank Delaware (Source, checked September 28, 2026)
Headquarters
United States (Source, checked September 28, 2026)
Support channels
Phone, Help-centre (Source, checked September 28, 2026)
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
barclaycardus.com

Debit cards

Monthly fee
$0 (Source, checked September 28, 2026)
Currency conversion fee
0% (Source, checked September 28, 2026)
Card network
Mastercard (Source, checked September 28, 2026)
Legal entity
Barclays Bank Delaware (Source, checked September 28, 2026)
Headquarters
United States (Source, checked September 28, 2026)
Support channels
Phone, Help-centre (Source, checked September 28, 2026)
Features
Rewards
Audience
Business

Apps and profiles

Get the app
Google Play
Elsewhere
X

Pros and cons

Pros

  • Annual fee of $0 keeps the holding cost at free while you earn airline points.
  • Currency conversion fee of 0% favours travel spend without issuer conversion margin.
  • Points structure of points on Mastercard pairs with perks of 50% inflight savings, Points Payback statement credit and Mosaic progress for JetBlue use.
  • Monthly fee of $0 remains at free, helping predictable budgeting.

Cons

  • Variable APR of 19.49% to 29.49% can add notable cost when you carry a balance past the due date.
  • Balance transfer fee of 5% applies to moves made during the intro period of 12.
  • Support runs on phone and help centre only, which limits choice when you prefer messaging or email contact.
Barclays

Ready to try Barclays?

Scored 9.0 / 10 by DebitCue.

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Who it suits

  • JetBlue travellers seeking airline points, where Qonto covers a different need around business spending tools.
  • Travellers valuing free conversion abroad, while Oney Préstamos may suit readers shopping beyond airline rewards.

Who should look elsewhere

  • Readers seeking cashback rather than airline points, where AXI Card Tarjeta y Credito may merit a closer look for a different reward style.

Rates and terms

The purchase rate is the central term to weigh, quoted as a variable APR of 19.49% to 29.49%. Your assigned rate within that span reflects credit standing and broader market conditions, so careful payment habits shape the true yearly cost. Paying the full statement balance by the due date limits interest, while revolving debt accrues at the assigned variable rate. Alongside purchase interest, the account notes an intro phase for moved balances lasting 12 months. That phase can ease pressure when you consolidate existing card debt, though purchase balances remain under the standard variable terms. You should read the timing rules closely, as late payment or new spending can alter how balances settle. Keeping utilisation modest and clearing statements in full helps you stay near the lower edge of borrowing cost.

Balance transfers

Moved balances receive an intro period of 12 months, which allows you to spread repayment of transferred debt across that window. The structure suits readers aiming to organise existing card balances under a defined schedule, with regular payments helping reduce principal before standard terms resume. Each movement of debt carries a balance transfer fee of 5%, applied at the time of transfer and added to the amount owed. You should compare that fee against interest saved during the intro window, since larger transferred sums raise the upfront charge. Transfers generally do not earn rewards, and payment allocation rules affect how fresh purchases and moved sums are cleared. Planning fixed payments across the intro span helps you use the window in a disciplined manner.

Who runs it

The account is issued by Barclays Bank Delaware, which sets the contractual relationship for servicing, statements and cardholder rights. Operational base is listed as US, so account documents, disclosures and servicing hours reflect that market setting. Day to day help is provided through phone and help centre, giving voice contact for urgent queries plus written guidance for routine matters. You can use phone assistance when a payment issue needs prompt review, while the help centre suits questions around statements, lost cards or online access. Response speed varies with demand and query type, so keeping account details ready helps calls move smoothly. Readers who value messaging or in person branches should note the defined contact mix before applying.

How Barclays compares

Where Barclays is available

Available
United States

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

Does the Barclays card charge an annual fee?+

What annual charge applies to this Barclays card? The card carries an annual fee of $0, so you face no yearly charge for holding the account. You still need to manage balances carefully, as interest and transfer fees can apply separately to borrowing.

What APR does Barclays charge?+

What APR will you pay on balances? The purchase APR is variable at 19.49% to 29.49%, with the exact rate set by credit standing. You avoid interest by paying the statement balance in full each cycle, while carried balances accrue at that variable rate.

Does Barclays allow balance transfers?+

How do balance transfers work here? Transfers benefit from an intro period of 12 months, which gives breathing room to reduce moved debt. Each transfer carries a fee of 5%, so you should weigh that upfront cost against interest saved.

What are the foreign spending costs?+

Will you pay extra when spending abroad? The currency conversion fee is 0%, so purchases in other currencies convert without added conversion margin from the issuer. You may still face charges from merchants or cash machine operators outside Barclays control.

How do the JetBlue rewards work?+

What rewards can you earn? Rewards accrue as points at earning of 3X JetBlue, 2X restaurants/grocery, 1X other, with added perks of 50% inflight savings, Points Payback statement credit and Mosaic progress. You redeem toward travel or statement options linked to JetBlue, making regular airline spend more rewarding than everyday spend elsewhere.

Who runs the card and what support is offered?+

Who issues the card and how can you get help? The issuer is Barclays Bank Delaware, based in the United States, and support is offered through phone and help centre. You can call for account queries or browse guidance material, which suits readers comfortable with those contact routes.

Sources

Compiled from 4 source pages, checked September 28, 2026. We did not open an account.

Barclays

Barclays

JetBlue travellers seeking points with free conversion abroad

9.0/10See alternatives