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Barclays credit card

Upromise® World Mastercard®

No annual fee. $200 Cash Back Rewards welcome bonus. Purchase APR 18.74–29.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Barclays’s terms

Welcome offer

$200 cash

Spend $1,000 on purchases

Must be earned within the first 90 days; the bonus may only be earned once and conditions and limitations apply.

  • The highest we’ve seen on this card: above every earlier offer (most recently $100 until 2026-10-02).
  • Smaller than about 60% of the 48 other cash 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.

SpendingValue against the feeFirst yearAfter
Light spender$200$0
Typical spender$200$0
Heavy spender$200$0
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); not counted: 1.25x Purchases when your Upromise Program account is not linked to a College Savings Plan; not counted: 1.529x Purchases when your Upromise Program account is linked to an eligible College Savings Plan.

$0a year

$200 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); not counted: 1.25x Purchases when your Upromise Program account is not linked to a College Savings Plan; not counted: 1.529x Purchases when your Upromise Program account is linked to an eligible College Savings Plan.

$0a year

$200 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); not counted: 1.25x Purchases when your Upromise Program account is not linked to a College Savings Plan; not counted: 1.529x Purchases when your Upromise Program account is linked to an eligible College Savings Plan.

$0a year

$200 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); not counted: 1.25x Purchases when your Upromise Program account is not linked to a College Savings Plan; not counted: 1.529x Purchases when your Upromise Program account is linked to an eligible College Savings Plan.

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

  • No annual fee, like about 85% of the 711 cards we track.

Other cash back cards with no annual fee

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

Upromise

How you earn

1.529%
Purchases when your Upromise Program account is linked to an eligible College Savings Plan
1.25%
Purchases when your Upromise Program account is not linked to a College Savings Plan

Cash back, as a share of each purchase.

Benefits

  • No foreign transaction fees on international purchases.
  • $0 Fraud Liability Protection; you are not responsible for charges you did not authorize.
  • Free online access to your FICO Credit Score, including email alerts when Barclays learns that your score has changed.
  • Upromise Round Up lets you round up purchases to the nearest dollar, based on a limit set from $1 to $500; the total Round Up Amount is considered a purchase and converted to cash back rewards.

Changes

$100 Cash Back Rewards$200 Cash Back Rewards since Oct 2Sep 29Today

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

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?
$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 a welcome bonus?
$200 cash back after $1,000 in purchases. · cards.barclaycardus.com, since Oct 8, 2026
See it on cards.barclaycardus.com

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