Barclaycard US Reviews 

I’ve been really disappointed with my experience using my Barclays credit card. When I had an issue with a purchase and needed help resolving it, their customer service was less than helpful. I reached out multiple times hoping for clear answers and support, but I mostly got vague responses and little follow‑through. What should have been a simple issue to fix turned into a frustrating process that left me feeling ignored as a customer. I have since cancelled this card and would not recommend anyone get it.

The worst customer service. I thought I paid off my balance but I had a hidden fee of $4.00. I ignored the
payment since I thought it was a mistake. After 1 month, it grew to $8.00. The rep would not waive the late payment!!

Buyer beware - purchases accrue an interest rate of 33% - probablly one of the highest rates in the industry.

Be really careful with this credit card company. I have automatic payments set up on my credit and every month, even though it pays, the account says “past due” and tacks on a charge do the next month. It took me almost a year to realize what was happening. I called multiple times, got the run around from every customer service person who gave me the most outlandish reasons for this. I literally lost hundreds of dollars to this company. Then it’s “oh well we can’t change the minimum payment because our system can’t recognize the payment was made on time”, so they tell you they will credit your account and they don’t. I have started paying a week early now to make sure this doesn’t happen, and that if it does they can’t try and be like “oh well the payment posted next day”. It’s literal theft.

I am a great customer. I make the full payment every month. I never pay late. I got the card because my girls love GAP & Bananna Republic. I made a purchase with another company, using the card and the merchandise was stolen off the truck. I opened a case and no one at Barclay searched anything and charged me fully for the purchase and when I called no one spoke English and they stated they would re-open the case. I am Barclay's customer - not the other way around. I closed out the Card, was able to dispute the purchase and get all my money back on the card. Barclay lost a good customer today.

Barclays are crooks! They repeatedly lower credit limits, sometimes causing the account to be over the limit. Stay away from them!!

Worst credit card ever!!! Wish GM wouldn't of ever sold out to them.

JetBlue should find another to handle their card

This is a terrible credit card company. They hang up on you and are rude to you. They closed my account that was in good standing for no reason. Never again. They suck

I have been involved with two separate disputes with merchants and in both cases, Barclays sided with the merchant. The most recent with the Holiday Inn who could not guarantee my wife a handicap accessible room. Her injury occurred after I booked (withbooking.com) Had to cancel andy money was not refunded after stating the refund minus a service fee would be . Barclays makes the card holder do all the leg work. Their investigation was poorly completed and the communication with me during this process was also unsatisfactory.

BEWARE!!!!
Do not use this bank!
I would leave zero stars if I could! This company stole almost $800 in accrued reward money! When my stepdad passed they didn’t mention it or send a letter like they claimed. This money should have gone to his spouse but no, nothing, to bad so sad.

If I could give zero stars I would! This company are complete crooks who should be shut down for what they do to their customers. Always made on time payments which they rewarded by raising my interest rate to a whopping 33%! That is not a nice interest fee to be charged every month. When I had finally had enough and paid the card off in route to closing it, these scammers charged me yet another interest payment after I had already paid off my balance! Unbelievable. Run and don’t look back!

I will NEVER use this card again, will pay my balance and close the account. Barclays is shady, their customer service is rude /read solely from scripts, and disputes are in writing by snail mail.

It has been two months of 15-20 phone calls to Barclay and a 71 page dispute letter clearly showing the email trail between me and the vendor. The vendor was a scam, I didn’t receive the promised services that I paid for and Barclays treated me like a criminal. The icing on the cake: I was told by Barclays that my case was now out of the dispute timeframe and it was nothing they could do.

They advertise a $200 bonus for depositing $30k but they only mention in the fine print that it needs to be deposited within 30 days.

The advertising for that bonus doesn't mention anything like that. It seems deliberately deceptive.

I closed this card this morning due to the one star rating because I noticed when I received this card back November 2025 and was paying toward my annual fee of the $600 which I decided to pay $100 a month towards the annual fee and they took my 4000 dollars credit limit to a $100 as of yesterday which I noticed and I never ever used this card so I decided to read the reviews and I noticed that this company had 1 Star rating I immediately decided to close due to something shady about Barclay MasterCard company and as of contacting this company I got just what I was expecting from this company they took my $300 I put towards the annual fee but it's ok I rather lose $300 than be a part of a shady credit card company any day. I hope and pray they tell the truth on my credit report that I closed their card because of there 1 Star ⭐ Rating and I see that it's true regarding the reviews so beware.

I struggled for months on fraudulent charges despite proof my card was temporarily stolen in a foreign country. They denied helping me for the $18,000
Charges plus charged interest while trying to resolve this. I’m a 73 year old woman and now have this overwhelming debt

I applied for a credit card online which should have been approved on the spot, per my previous credit card application experience.
I have a 850 Fico score, which should be so easy to get approved but with Barclays, it's like applying for a mortgage loan. They ask me to fax or send by mail my ID card, social security number and utility bills. It's the worst experience.

This has to be the worst customer service for a credit card I have ever experienced. My story on customer service is just rude unprofessional and useless. I called simply to confirm a website issue for my account and I was told everything but what I called for I then messaged Customer Care and reported what had taken place and their response left me speechless not addressing what my message stated just began giving me schooling steps on how to view my transactions. Unbelievable. It’s very sad. I enjoy using this card for the benefits of the rewards however it’s more important to me to have excellent service when I need it. I will be closing this account regardless of what it does to my credit. Very sad. for those who have experienced such sadness with this Bank if you’re looking for an amazing Bank with excellent customer service USAA is incredible. That’s where I will continue and stay going forward.

Today's date, March 17,2026
Barclay's US, my worst experience with credit card customer service in 43 years! I had transfered a small balance the night before, from my PC, from another credit card, to my Barclay's 0% for one year offer, and every thing went fine. Then the next mornig I received a message on my land line answer machine, and I could not understand on behalf of "who" this lady was calling, and she said that I should call back an 800 number. I had to find out on Google that it was from barclay's. Here is what was realy awful, I could verily undestand this lady, and on top of that the background noise was bad! after I told her, she fixed some of the issue, and she begain to ask me "verification questions", in order to get the approval for the transfer, she did so so many times that it was ridiculous, I asked her for a supervisor, she put me on hold, 8 minutes later I had to hang up and call again, another lady with the same questions again, but now she told me she would connect me with another customer service rep. and after 7 minutes, the other rep. came on with more of the same questions that I had already answered PLUS more on top of it, another 17 minutes, and I had it! I hanged up.
THREE rep's a dozen times asking me the same questions for a grand total of more than 33 minutes! I believe this was done intentionally, as to not approve the "$550" dollar transfer, for watever reason, and in a very really insulting way! I went on my PC and demanded my accont be closed. And it was so.
I had this credit card for 14 years and 10 months and while it was run by the previous banks it was good and they had excellent customer service. I also have a credit score of 822. Barcklay's Not worth it!

I’m very frustrated with the fact I can no longer use my reward points for statement credit. I have no plans to purchase a GM vehicle and do not currently have a GM vehicle, and I was told that is what the rewards points are for now. I am so ready to have this card paid off so I can find one that is better for me!

I closed my card and was told that the annual fee I had already paid for the coming year would be refunded. After a month I called them again since no refund was received, and they told me they now won't refund it. Liars. That whole card was a rip-off anyway with it's annual fee and only 1% rewards on purchases. Also the only company they won't waive a late fee. Other credit card companies are much better and will forgive you a one-time mistake by paying too late, etc. Also, when you call customer service one usually gets a foreigner who is hard to understand.