RateHerald

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Barclays credit card

Breeze Easy® Visa® Credit Card

$89 a year. Purchase APR 19.74–29.74%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$80$80
Typical spender$320$320
Heavy spender$750$750
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

$80a year

The same in the first year and after.

Rewards and credits$170

You keep $80−$90 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

$320a year

The same in the first year and after.

Rewards and credits$410

You keep $320−$90 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

$750a year

The same in the first year and after.

Rewards and credits$840

You keep $750−$90 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 75% of the 732 cards we track.

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Breeze loyalty program

How you earn

10×
Earn up to 10X BreezePoints on Nicer Bundles and Nicest Bundles - 5X when you buy, plus 5X when you fly
4×
Earn up to 4X BreezePoints on Nice Bundles - 2X when you buy, plus 2X when you fly
2×
2X on eligible grocery store purchases2X on eligible restaurant purchases, including Breeze Airways inflight food and beverages made with your Card Account
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Breezy 1 benefits, including a Bundle Upgrade, after spending $1,000 on purchases within the first 90 days.
  • Earn 7,500 Anniversary Bonus BreezePoints after every account anniversary with eligible purchases.
  • Primary cardmembers and their companions receive Zone 1 priority boarding when traveling on flights operated by Breeze Airways.
  • Complimentary inflight WiFi on Breeze Airways flights.
  • Full Points Flexibility: use BreezePoints how you want, whenever you want.
All 8 benefits
  • No foreign transaction fees.
  • There is no limit to the total BreezePoints you can earn using the card.
  • Earn up to 5X additional BreezePoints when you fly on Nicer Bundles and Nicest Bundles, and up to 2X additional BreezePoints when you fly on Nice Bundles, subject to program terms and conditions.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$89 · cards.barclaycardus.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 0% of each transaction in U.S. dollars.. · cards.barclaycardus.com, since Oct 8, 2026
What is the purchase APR?
19.74–29.74% APR · cards.barclaycardus.com, since Oct 1, 2026
See it on cards.barclaycardus.com

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