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  • Never Fly BA Again 4 posts

    Out of curiosity, does anyone use this card?

    I don’t see it discussed much on HfP. Understandably, the Barclaycard Avios cards get most of the headlines, as I’m sure most are interested in Avios. However, it feels like the Rewards Visa is quite a good product, especially for those that are not interested in Avios. It appears to be one of few cards in the UK that have 0 foreign transaction fees (and ATM withdrawal fees) whilst earning cashback. Albeit at a fairly meager 0.25% but that beats anything else on the market with 0 transaction fees.

    Just wondering what people’s experience with it are?

    Rob
    HfP Staff
    2,191 posts

    It’s a good card, I agree. The reason we never wrote about (despite many readers telling us to) was that we knew about 18 months in advance that the Avios cards were coming and that anyone who took out a Rewards Visa would be disqualified!

    scholar wong 38 posts

    I have had one for years, it’s by far the best credit card for FX spend. I use it all my overseas and non-GBP spend. It’s great for withdrawing cash, there are no card fees, and zero interest as long as you repay the balance in full every month. The 0.25% is small, but better than nothing.

    andiron 66 posts

    Chase is much better, no foreign transaction fees, 1% back in UK and abroad capped to £1500 monthly spend (you need to top up the account by £500 or £1000 though).
    So in many cases it’s much better.

    Never Fly BA Again 4 posts

    It’s a good card, I agree. The reason we never wrote about (despite many readers telling us to) was that we knew about 18 months in advance that the Avios cards were coming and that anyone who took out a Rewards Visa would be disqualified!

    Thanks Rob! Good to know there’s not any major downsides with it (apart from not being allowed the Avios card as well).

    Never Fly BA Again 4 posts

    Chase is much better, no foreign transaction fees, 1% back in UK and abroad capped to £1500 monthly spend (you need to top up the account by £500 or £1000 though).
    So in many cases it’s much better.

    I actually have the Chase card. I struggle with pre-paid cards as it’s a bit of a faff knowing when and how much to load them. I much prefer a normal credit card for spending abroad. I also ran into a bit of an issue when using it with a hotel booking (the hotel made a pre-authorisation that essentially wiped out my balance on the card).

    With the 1% cashback I’m also wary that technically this is meant to stop some time next year, so it’s unclear if they will just keep extending it or it will eventually disappear once they have enough people signed up to the account.

    I do like the UX of the app and the savings pots, I’m just not a fan of having to load a pre-paid card so we stopped using it.

    Harrier25 814 posts

    Exactly, Chase is not a credit card, it’s a debit card, so can’t be compared like for like with the Barclaycard Rewards credit card.

    FearlessTraveller 50 posts

    It’s a good card, I agree. The reason we never wrote about (despite many readers telling us to) was that we knew about 18 months in advance that the Avios cards were coming and that anyone who took out a Rewards Visa would be disqualified!

    Would you be disqualified from the Avios cards if you had the Forward/Purchase/Balance Transfer cards? Or is it only the rewards card?

    davefl 1,119 posts

    I have it and use it for pretty much all my forex spend. Has been flawless around the world whereas the virgin debit card got blocked the 1st time I used it in the USA on the last trip.

    The only drawback being a visa is that the 3 digit postcode +00 trick rarely works in the US for a zip code so online purchasing often fails. I find MC cards more reliable for that.

    The only thing I’ll say is don’t expect any S75 protection from them. The claim procedure is an utter farce and when you finally get one through and on to their system they deny the claim due to lack of evidence even though I’d submitted the papers 3 times by different means. I gave up and lost $170.

    WillPS 193 posts

    It’s a good card, I agree. The reason we never wrote about (despite many readers telling us to) was that we knew about 18 months in advance that the Avios cards were coming and that anyone who took out a Rewards Visa would be disqualified!

    Would you be disqualified from the Avios cards if you had the Forward/Purchase/Balance Transfer cards? Or is it only the rewards card?

    You can only a new personal Barclaycard if you do not hold a Barclaycard and haven’t in the last 6 months.

    Barclays have got better about making clear which other options are available and allowing you to make the change via the app however. I converted a (legacy) cashback Credit Card to an Avios Plus last November and then I downgraded to the free version last month. Both times I was offered Platinum and Reward Visas as well as the (other) Avios products.

    Given Forward is a ‘poor credit score’ offer I doubt they’ll offer that as a product change, but holders of Forward are often offered other products.

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