Our illustration in the card’s colours, not its design
Barclays credit card
Carnival Rewards™ Mastercard®
No annual fee. 20,000 points after you spend $1,000 in 3 months. Purchase APR 18.74–29.74%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Earn 20,000 points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Purchases – 18.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Foreign transaction fee: 0%.”
Select an underlined figure to see where it comes from.
Barclays’s terms
Welcome offer
20,000 points
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Any bonus associated with this offer may only be earned once. Conditions and limitations apply.
- Smaller than about 65% of the 44 other points bonuses we track.
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.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $370 | $170 | |
| Typical spender | $610 | $410 | |
| Heavy spender | $1,040 | $840 |
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¢.
Not counted: whether rewards can be spent beyond Carnival Rewards (not stated).
$170a year
$370 the first year, with the welcome bonus.
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¢.
$410a year
$610 the first year, with the welcome bonus.
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¢.
$840a year
$1,040 the first year, with the welcome bonus.
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 80% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$345 a year
- CareCredit MastercardSynchrony · No annual fee+$300 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$285 a year
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
Carnival Rewards
How you earn
- 6×
- Carnival purchases; earn 3x points from the card, plus up to 3x points through Carnival Rewards
- 2×
- Eligible restaurants, excluding Target and WalmartGrocery stores, excluding Target and Walmart
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Points can be redeemed for cruises, onboard activities, shore excursions, Carnival merchandise, and more.
- No foreign transaction fees on international purchases.
- Earn 1 Status Qualifying Star per dollar spent on purchases.
- 0% promotional APR for 6 billing cycles from the transaction date on qualifying Carnival Cruise Booking Purchases.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Purchases – 18.74% to 29.74%, based on your creditworthiness and other factors.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Your due date is at least 23 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- 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).
- 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?
- $0 · 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?
- 18.74–29.74% APR · cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for 6 billing cycles from the transaction date on all "Qualifying Carnival Cruise Booking Purchases". · cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 points after $1,000 in purchases in 3 months. · cards.barclaycardus.com, since Oct 12, 2026