Is Barclaycard credit card good?

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hematino
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Postby hematino » Thu Nov 22, 2012 5:55 am

DavidNY wrote:Sallie Mae card details: https://www.salliemae.com/landing/WorldCreditCard/

Amazon.com sells books.


Thanks!
Not the card I was thinking of, but this one looks solid. I like the 5% on books, it would be nice to have actual 5% straight cash back/statement credit on Amazon instead of Forward's Thank You points which are better used on airfare or $100+ gift cards. Like that its a MasterCard too, my Visas outnumber my MCs, Discovers, Amexes, and JCB combined probably 2 to one.Will keep this one on the radar for next year maybe.
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DavidNY
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Postby DavidNY » Thu Nov 22, 2012 9:00 am

Yes, fairly low caps but decent cash back (statement credit). I got it when it was a Visa offered by Sallie Mae Bank and the cap was $500/month for gas and groceries combined, which gave the card more flexibility as to how I could maximize the 5% cash back. It's still a decent card under Barclaycard.

Most of my cards are Visa too..

How and why did you get a JCB card? I was looking at this one but it's only for those in the Western US.

hematino
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Postby hematino » Fri Nov 23, 2012 10:40 pm

Ahh yes, the coveted Marukai card lol. I've read a lot about that one too, its really tempting being a 3% everything card after a paltry 3k annual spending, but I'm not eligible cause I'm not in Cali or Hawaii. It seems like a formidable card, although its got to be one of the fruitiest looking ones out there lol.

I just have the plain old JCB card. Applied the old fashioned way through the mail and got approved like that for 3k CL at 11.75% APR. I've always wanted to have at least one card on each network just to satisfy my OCD or something, and I got this for the sake of completion (still can't get Diner's Club though haha). From a pure rewards seeking standpoint, the JCB card I have maybe wasn't a smart acquisition, I can definitely get better rewards elsewhere. I will say that their card is pretty old school with no online account access and payments being snail mail only, but the phone customer service rocks. It's essentially a 1% cash back card with pretty low initial APR for a rewards card. Here in south Jersey, they are really rare to see and most salespeople don't even know what JCB is so it's kind of a weird conversation piece. The card is also nice looking, its a very dark silver color, probably the nicest appearance of all my cards except maybe Sapphire Preferred. Acceptance is pretty good, if a merchant doesn't specifically accept JCB then it goes through on the Discover network, and the receipt even says Discover as the form of payment. They are really conservative, as per the website the maximum credit line they will issue is 12k, so I'm going to make it my mission to see how high I can get mine over time just for fun. Sometimes its refreshing to deal with smaller companies like credit unions and JCB as opposed to the mostly crappy service that comes from the huge banks, you know? I like the card and the company and have no regrets about trying them out, even when I found next to no info on their US cards anywhere online.
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DavidNY
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Postby DavidNY » Sat Nov 24, 2012 9:45 am

US Diners Club International cards have been processed through the MasterCard network for some time, though that may change now that Discover has purchased DCI from Citibank.

I'm not sure if JCB still has its own US card acceptance network since they now use Discover's network.

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bisbicos
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Postby bisbicos » Tue Feb 12, 2013 9:45 am

I really like that you can get 5 percent back on gas and groceries. My question is does the 5 percent back on bookstores also count towards Amazon purchases the same way the Forward card can get 5 percent back at Amazon.com?
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

FutureBillionaire
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Postby FutureBillionaire » Tue Feb 12, 2013 9:55 am

bisbicos wrote:I really like that you can get 5 percent back on gas and groceries. My question is does the 5 percent back on bookstores also count towards Amazon purchases the same way the Forward card can get 5 percent back at Amazon.com?


That is the million dollar question.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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bisbicos
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Postby bisbicos » Tue Feb 12, 2013 10:12 am

Can I get a million dollar answer?
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

DavidNY
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Postby DavidNY » Tue Feb 12, 2013 10:43 am

bisbicos wrote:My question is does the 5 percent back on bookstores also count towards Amazon purchases?


The Sallie Mae card offers 5% off bookstores up to $750/month.

Daniel
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Postby Daniel » Tue Feb 12, 2013 12:21 pm

ChrisR2020 wrote:I have the Barclaycard rewards mastercard - yes it does complement nicely other cards with caps when Barclaycard run specials (bonus points).

The only problem with reward cards is the high interest rate. Barclaycard offers 15% on reward cards. The ring is 8% with little or no reward.


Regarding the interest rate on a rewards card, why does interest rate matter on a rewards card? If one is keeping a balance, get an intro rate card or low interest rate card (8% is like personal loan rates, pretty good if you ask me). If one pays their bill off every month, a rewards card makes more sense.

I personally have had good luck with Barclaycard's cards recently, they seem to be reasonably generous with their limits, and the cards do what they advertise. I am really interested in the ring card right now personally, as it seems like a great concept, "If the program is profitable, we send dividend checks to our cardholders. " I also like that it is an 8% rate, not that I keep balances, but in the event I needed a personal loan rate on a few thousand dollars, I wouldn't have to apply for one.

Does anyone here have the Ring card?

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Postby Sevenfeet » Tue Feb 12, 2013 3:18 pm

DavidNY wrote:US Diners Club International cards have been processed through the MasterCard network for some time, though that may change now that Discover has purchased DCI from Citibank.

I'm not sure if JCB still has its own US card acceptance network since they now use Discover's network.


Talk about rare card products. I've seen the JCB logo, most likely in stores but I don't think I've ever seen anyone actually presenting that card.

I used to carry a Diners Club card over a decade ago for a job I had (it was the corporate card of choice for that firm). I don't think I've seen a Diners Club card since.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)



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