This card is right for someone who has fair or good credit who is trying to rebuild their credit history and is unable to be approved for the most competitive reward credit cards. Considering that this card has relatively low requirements for approval, it offers an excellent rate of return for the most common purchases that many cardholders will make.

This is also a card for someone who avoids interest charges by paying each month’s statement balance in full. With such a high standard interest rate, this is not a card that you want to carry a balance with.


Who Is the Barclaycard Rewards Mastercard Right for?

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

Although the Barclaycard Rewards Mastercard gives you unlimited 2 percent cash back in gas, groceries and utilities, the overall value of the rewards is low and the APR is high. This offer is no longer available.
Barclaycard Rewards Mastercard
Details of prosThis card has no annual fee and offers a strong rate of cash back for purchases at gas stations, payments to utility companies and for all purchases made at grocery stores. Since grocery stores often sell a variety of non-food items, there are many ways to earn these rewards. Another
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Take advantage of the 2 percent bonus on gas, groceries and utilities. Make sure your utility company doesn’t charge a service fee for using a credit card (some charge as high as 3 percent).Since the Barclaycard Rewards Mastercard only pays 1 percent cash back for general purchases, see if you can
Rewards2X points on gas, utility and eligible grocery store purchases1X points on all other purchasesPoints don't expire as long as account is open, active and in good standingRedeem points for deposits to a U.S. checking or savings account, statement credits or gif
You can only pay a personal Barclaycard credit card bill through the Barclays app at this time.Log in and select the Barclaycard account you would like to pay. Select ‘Make a payment’ from this screen and enter the payment amount. Then choose the account or debit card you’d like to m