The Amazon Barclaycard lets frequent Amazon shoppers earn cashback on every purchase, with no annual fee.
It offers additional rewards for other spending categories and perks like fraud protection and insurance purchases.
This card provides lasting value for Amazon users in the United Kingdom. It features a simple application process and flexible cashback options.
Key Benefits of the Amazon Barclaycard
The Amazon Barclaycard is packed with features tailored for regular Amazon shoppers and designed to maximize convenience and rewards.
It’s important to take a quick look at its key features.
- Generous Amazon Cashback: Earn a high cashback percentage on Amazon purchases.
- Flexible Redemption Options: Redeem cashback as statement credits or apply directly to Amazon purchases.
- Introductory Sign-Up Bonus: New cardholders can access exclusive sign-up bonuses, often a cash reward after a minimum spend.
- Promotional Financing Options: You can access interest-free financing on select Amazon purchases, making it easier to manage more significant expenses.
- Mobile and Online Account Access: Easily track spending, payments, and rewards through a dedicated app or website.
- Enhanced Fraud Protection: Includes fraud alerts and zero liability on unauthorized transactions for secure shopping.
How Cashback Works
Understanding how cashback works with the Amazon Barclaycard helps maximize your rewards. Here’s a quick overview of the process:
- Earning Cashback: Receive cashback automatically on qualifying Amazon purchases and other eligible spending categories.
- Redeeming Cashback: Use your accumulated cashback as statement credits or apply it directly to Amazon purchases.
- Limitations and Exclusions: Be aware of any caps on cashback rewards or exclusions for certain purchases.
Other Features and Perks
The Amazon Barclaycard includes additional features beyond cashback, offering value and convenience. Here’s a look at some extra perks cardholders can enjoy:
- Interest-Free Financing Options: Access promotional financing for qualifying Amazon purchases, allowing flexible payment terms.
- Enhanced Security and Cardholder Protections: Benefit from fraud protection, purchase insurance, and zero liability on unauthorized transactions.
- Online Account Management: Easily track spending, payments, and rewards through an intuitive mobile app or website.
- Exclusive Amazon Promotions: Enjoy special discounts or early access to select Amazon deals as a cardholder.
Eligibility Requirements
Meeting the eligibility requirements for the Amazon Barclaycard is essential for a smooth approval process.
- Credit Score: A good to excellent credit score is generally required for approval.
- Stable Income: Proof of steady income to demonstrate the ability to make payments on time.
- Residency Status: Must be a legal resident with a valid address.
- Age Requirement: Applicants must be at least 18 years old (or the age of majority in their location).
- Identification: A valid government-issued ID is necessary for identity verification.
Application Process
Applying for the Amazon Barclaycard is a straightforward process that can be completed in minutes online. Here’s a step-by-step guide to get started:
- Visit the Application Page: Visit the official Amazon or Barclaycard website to begin your application.
- Provide Personal Information: Enter essential details, including your name, address, and Social Security number.
- Share Financial Details: Include information on your income to assess creditworthiness.
- Review Terms and Conditions: Carefully read and accept the card’s terms and any promotional offers.
- Submit Application: Click submit and receive a decision, often within minutes.
Approval and Card Activation
Once approved, activating the card is quick and easy. Here’s what happens next:
- Approval Notification: Most applicants receive approval within minutes; some may require extra review.
- Card Delivery: Your card arrives within 7-10 business days after approval.
- Activate Your Card: Follow the instructions to activate by phone or online.
- Set Up Online Access: Register on the Barclaycard site or app to track spending and rewards.
- Start Using Your Card: Once activated, you can use it immediately on Amazon and other purchases.
Fees and Interest Rates
Understanding the fees and interest rates on the Amazon Barclaycard helps you manage costs effectively. Here’s a breakdown of potential charges:
- Standard Purchase APR: Variable APR typically starts from 21.9%, depending on creditworthiness.
- Balance Transfer Fee: 2.9% of the transfer amount, subject to a minimum charge.
- Cash Advance APR: 27.9% variable APR, with a 3% per transaction (minimum £3) cash advance fee.
- Late Payment Fee: Up to £12 for missed or late payments.
- Foreign Transaction Fee: 2.99% of the transaction amount for purchases made outside the United Kingdom.
Pros and Cons
The Amazon Barclaycard offers valuable benefits for frequent Amazon shoppers, but it also has some limitations. Here’s a look at the main pros and cons:
Pros:
- High Cashback on Amazon Purchases: Earn significant cashback on Amazon spending.
- No Annual Fee: No yearly cost makes it a low-maintenance option.
- Additional Cashback on Other Categories: Rewards extend beyond Amazon, offering added value.
- Security Features: Fraud protection and purchase insurance add peace of mind.
Cons:
- High APR Rates: Interest rates can be high, especially for unpaid balances.
- Limited Non-Amazon Cashback: Cashback rates may be lower on non-Amazon purchases.
- Foreign Transaction Fees: International purchases incur a 3% fee.
- Strict Eligibility Requirements: Requires good to excellent credit for approval.
Comparison with Other Amazon Credit Cards
When comparing the Amazon Barclaycard, consider these Amazon card options:
- Amazon Prime Rewards Visa: 5% cashback on Amazon and Whole Foods for Prime members, plus extra on dining, gas, and other categories.
- Amazon Rewards Visa: 3% cashback on Amazon and Whole Foods without Prime, plus rewards on dining, gas, and drugstores.
- Amazon Store Card: Prime members can earn 5% cashback on Amazon only, with no rewards in other categories.
- Amazon Secured Card: For building credit, it offers no rewards but works for Amazon purchases with a refundable deposit.
Frequently Asked Questions (FAQs)
Here are some frequently asked questions about the Amazon Barclaycard, covering additional details to help you make the most of this card:
- How do I check my cashback balance?
Log in to your Barclaycard online account or app to view your cashback balance and recent activity.
- Can I use my Amazon Barclaycard anywhere?
The Amazon Barclaycard is a Visa card, so it’s accepted anywhere that takes Visa worldwide.
- Does cashback expire?
Cashback rewards do not expire if your account remains open and in good standing.
- Is there a foreign transaction fee?
- Yes, international purchases incur a 3% foreign transaction fee.
Can I set up automatic payments?
- You can arrange automatic payments through your online account to avoid missed payments and late fees.
- What happens if I miss a payment?
A missed payment may result in a late fee and could impact your credit score if not resolved promptly.
- Does the Amazon Barclaycard offer any travel benefits?
While it lacks specific travel perks, it does include standard Visa benefits, like rental car collision coverage and travel assistance services.
Contact Details
Here’s the contact information for Barclaycard in the UK:
- General Inquiries (UK landlines): 0800 151 0900
- From a Mobile Phone: 0333 200 9090
- From Abroad: +44 1604 230 230
These numbers are tailored for Barclaycard’s UK-based customer service, with specific options for landlines, mobile phones, and international callers.
To Wrap Up
The Amazon Barclaycard offers a valuable way to earn cashback on Amazon purchases, plus added perks for everyday spending.
With no annual fee and flexible reward options, it’s ideal for frequent Amazon shoppers looking to maximize savings.
Consider applying today to start earning on every purchase.
Disclaimer
The information provided about the Amazon Barclaycard is for general informational purposes only and may be subject to changes by the issuer.
Before applying, please review the latest terms and conditions directly on the Barclaycard website.
