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You won't find trouble using this easy cash-back card! Get a cash rewards sign-up bonus, 1.5% cash-back on all purchases, and a 5% rebate for all cash rewards redeemed.
The information regarding the Barclaycard CashForward™ World Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
You enjoy living life hassle-free, and that includes the credit card in your wallet. After all, you worked hard for your excellent credit, why not enjoy the perks?
Consider applying for the Barclaycard CashForward™ World Mastercard®, a card that earns the same cash-back percentage for everything your purchase and no bonus categories to keep track of, ever.
Plus there’s a sign-up bonus and no annual fee. Talk about living life without sweating the small stuff!
Update: Offers mentioned below for the Barclays CashForward™ World MasterCard® are no longer available.
Rewards will accrue on the card and can be redeemed at Barclaycardus.com.
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Sign up for the card and get a cash rewards bonus after you spend the required amount in the allotted time (see card summary table for details).
It’s usually a decent bonus considering you don’t have to pay an annual fee for the card.
Earn 1.5% for everything you purchase with the card across the board. Then, redeem your cash-back as a deposit into a U.S. bank account, statement credit, or a gift card. All redemptions start at $50.
Cash rewards never expire as long as your account is open, active and in good standing.
Bottom Line: Earn 1.5% cash-back for all purchases with the CashForward Card. There is no annual fee!
It gets better. For each redemption you make, you will get a 5% cash rewards bonus to use toward your next redemption. It doesn’t matter how you redeem your cash-back, you’ll still get the 5% rebate every single time.
Redeem $100.00 in the form of a gift card, and then get $5.00 toward your next redemption.
Redeem $50 as statement credit, and then get $2.50 toward your next redemption.
It’s all up to you! It only takes one business day to receive your redemption bonus after you make your redemption.
And there’s still more.
Enjoy an intro APR on any balance transfers you make within a set period of opening your account (see card details above for more).
In addition, get the peace of mind that comes from knowing you have a chip-card. That means it uses encryption technology to keep your account information safe.
More than 130 countries use chip card technology, and U.S. merchants are quickly making the switch due to the reduced risk of fraud.
Bottom Line: Enjoy 5% cash-back with each redemption, an intro APR on balance transfers, and chip-card technology with the CashForward card.
The CashForward Card provides a wide variety of insurances, shopping benefits, and travel perks because it has the CashForward card designation.
Many of these benefits aren’t offered with other cash-back credit cards.
These benefits include access to a MasterCard Airport Concierge, the World Air Program and World Car Rental Program, and so much more. We’ll tell you all about the perks in the Gritty Details coming up.
Because the CashForward Card is a cash-back card, there are only a few options to redeem as there are no partners. All redemption options require a minimum of $50. Let’s take a look at each of them in detail below.
The first way to redeem cash-back from the card is to have it deposited into a U.S. checking or savings account. ACH deposits take 3-4 business days. There is a daily limit of $500.
You can also have your cash-back applied as statement credit. It takes 1 to 2 business days for the credit to appear. It’s important to note that you can’t use the statement credit toward the minimum payment for your bill.
If you would rather apply your cash-back toward a gift card, you also have that option. Gift cards are mailed to the U.S. street address you have on file with the credit card. It takes 7 to 10 business days for gift cards to show up.
Also, you can have gift cards sent to a P.O. Box but not an A.P.O, F.P.O, or international address.
We discussed this earlier, but as a reminder, you get a 5% cash-back bonus every time you make a redemption. The total is rounded to the nearest cent and added to your account in one business day so you can apply it to your next redemption.
It doesn’t matter if you redeem for a deposit, statement credit, or gift card. All redemptions automatically earn the 5% bonus.
You are somewhat limited to the number of ways you can maximize cash-back with the CashForward Card because it earns a straight 1.5% for all purchases.
However, we did come up with a few ways to make sure you are getting the most from your card.
Tip #1: Don’t miss out on the sign-up bonus! Just spend the required amount in the allotted time and you’ll have cash-back waiting for you. If you are like most people, you can probably spend the required amount at supermarkets and on gas alone.
Tip #2: While it’s important to put your expected expenses on the card each month to earn 1.5% cash-back, unexpected expenses can add up too. Kids need physicals? Put your insurance co-pay on the card. Going out to the movies? Pay with your card.
Tip #3: Another strategy is to use your along with other credit cards to earn the most cash-back possible.
For instance, earlier we discussed how the Blue Cash Everyday® Card from American Express earns 3% cash-back at U.S. supermarkets up to $6,000 a year, at which point it earns 1%.
If you use it up to the $6,000 limit and then switch to the Barclays, you’ll get 1.5% cash-back for supermarkets instead of 1%!
Tip #4: Avoid credit card fees. For example, pay your bill on time each month, and you won’t accrue late payment penalties. Pay the entire bill, so you don’t have to pay interest fees. By avoiding these fees, you’ll earn your cash-back free and clear.
Tip #5: We mentioned that you need to have $50 cash-back before you can redeem it, so pay attention when you are getting close.
Pull out the card for small purchases instead of using cash, and it may push you to the minimum so you can make that redemption after all.
While the CashForward Card has a lot to offer, there are a few drawbacks to be aware of. First, you need excellent credit to qualify for the card.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
If you’re currently building your credit, another option is the Freedom Unlimited card, a no-annual-fee card from Chase.
Another potential drawback of the card is the cash-back percentage. While 1.5% is pretty good, there are other cash-back credit cards that do better.
Terms Apply / Rates & FeesThis cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
The Blue Cash Everyday® Card from American Express earns 3% cash-back at U.S. supermarkets up to $6,000 a year and 2% cash-back at U.S. gas stations and select U.S. department stores as well as 1% cash-back on other purchases.
Finally, you can’t redeem your cash-back until it reaches $50. That means you have to spend almost $3,000 before you can qualify.
Terms Apply / Rates & FeesA flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.
A card that earns 1.5% cash-back for everything is more your speed.
That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.
This card’s rewards will accrue on the card and be available under capitalone.com.
There are other cards without a minimum cash-back amount such as the Quicksilver card.
But if you spend enough, and with the redemption bonus, the Barclays can be worth it.
Bottom Line: If you want a card that earns more cash-back and allows you to redeem without a minimum amount, there are other credit cards available besides the CashForward Card.
The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Barclaycard CashForward™ World Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
The card is one of the cash-back credit cards offered by Barclays. Cardholders earn 1.5% cash-back for all purchases made with the card.
Cash-back can be redeemed for deposit into a U.S. bank account, statement credit, or a gift card when it reaches a minimum of $50.
Because it is a CashForward card, you also get a variety of travel and shopping perks.
Yes. The sign-up bonus is detailed in the card summary table above or special offer below.
You also get an introductory APR of 0% for 15 billing cycles on balance transfers made within the first 45 days.
No. There is no annual fee.
You can begin redeeming cash-back as soon as you accrue $50. Just sign into your account at BarclaycardUS.com to make a redemption.
No. Cash-back does not expire as long as you keep your account active and in good standing.
Yes. The foreign transaction fee is 3%.
No. There are no partners with the card.
The CashForward Card is a no-annual-fee credit card that earns 1.5% cash-back for all purchases. It has a sign-up bonus as well (see the card summary table for details).
The Barclays Rewards MasterCard® is a no-annual-fee credit card that earns 2 points per dollar for gas, utility and supermarket purchases and 1 point per dollar for all other purchases.
Points can also be redeemed for cash-back. There is no sign-up bonus.
You can determine which card is best for you based on your budget and spending habits.
You can login to your card account at BarclaycardUS.com.
Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.
