Amazon Barclaycard cashback gives shoppers a way to save on every Amazon purchase. This card offers cashback rewards, making it a valuable option for frequent Amazon customers.
The article breaks down its benefits, including cashback rates, interest fees, and additional perks. Learn how to maximize rewards and decide if this card fits your spending habits.
What is the Amazon Barclaycard?
The Amazon Barclaycard is a credit card for Amazon shoppers that offers cashback rewards. It helps users earn back a percentage on their purchases.
Prime members get higher cashback rates for extra savings. The card includes a 0% interest offer for six months.
It is an app-only account, requiring management through the Barclaycard app. Approval depends on financial status and eligibility.
Overview of the Amazon Barclaycard
The Amazon Barclaycard offers cashback on Amazon purchases and other spending. It includes a welcome gift and a 0% interest offer and requires app-based management.
Features and Cashback Benefits
Users get 1% cashback on Amazon purchases and 0.5% cashback elsewhere. Prime members earn 2% cashback during special events like Prime Day.
A £20 Amazon Gift Card is included as a welcome bonus. The card has a 0% interest period for six months on purchases.
It is an app-only account managed through the Barclaycard app. Applicants must be 18 or older and meet financial criteria.
How Does the Cashback Work?
This card offers cashback on Amazon purchases and other spending. Users can redeem rewards as Amazon gift cards once they reach a minimum amount.
Cashback on Amazon Purchases
Shoppers earn 1% cashback on Amazon orders using this card. Prime members get 2% cashback during key shopping events like Prime Day.
Rewards accumulate daily and can be checked in the app. Once users earn £5 in rewards, they can transfer it as an Amazon gift card.
Gift cards are available within two hours of transfer. These can be used during checkout on Amazon.
Cashback on Other Purchases
The card also gives 0.5% cashback on all other purchases. This includes spending at grocery stores, restaurants, and other retailers.
After 12 months, the cashback rate drops to 0.25% on non-Amazon purchases. Users can transfer rewards in multiples of £5 gift cards.
Cashback applies to eligible purchases only, based on the provider’s terms. The increased cashback for key events is limited to Amazon’s selection.
Interest Rates and Fees
This card has variable interest rates based on financial status. It also has a credit limit and no monthly fees for most users.
Interest Rates for Different Transactions
The interest rates depend on the type of transaction. Here are the standard rates:
- 28.9% APR (variable) for most approved users
- 28.9% purchase rate (variable) for standard spending
- Credit limit of £1,200, though it may vary
- £0 monthly fee for account maintenance
- Interest rates may change based on credit history
- Final rates are determined upon approval
Other Fees and Charges
There is no annual fee for this card. Users only pay interest on unpaid balances. The purchase rate of 28.9% applies to everyday spending.
Late payments may result in penalty fees and impact credit scores. Balance transfers and cash advances may have different charges, depending on the provider’s terms.
Additional Benefits
This card offers extra protection and rewards for cardholders. It includes security features and special promotions for select purchases.
Extra Perks and Protections
Users get additional benefits, including:
- Fraud protection to monitor and prevent unauthorized charges
- No monthly fees, reducing overall costs
- Gift card rewards, which can be used for Amazon purchases
- Flexible credit limits based on financial status
- Purchase protection, covering certain eligible items
- Special cashback bonuses, available during select promotions
These features help users manage spending and get more value. Benefits depend on the card provider’s policies and may change.
How to Apply for the Amazon Barclaycard?
The application process is simple but requires key details for approval. Meeting eligibility criteria and providing accurate information improves the chances of getting approved.
Step-By-Step Guide to Apply
Follow these steps to apply for the card:
- Check eligibility based on age, residency, and financial status.
- Gather required documents like address history and income details.
- Complete the online application by filling in personal and financial information.
- Submit for review and wait for the provider’s decision.
- Receive approval or rejection based on credit history and financial assessment.
- Activate the card through the app after receiving it.
Required Documents and Eligibility Criteria
Applicants need to provide certain documents to complete the process. Meeting all eligibility requirements increases the approval chances.
- Be at least 18 years old and a UK resident.
- Live at a UK address for at least 2 years.
- Show proof of income to confirm financial stability.
- Have no major financial issues, such as bankruptcy in the last 6 years.
- Have not had a Barclaycard in the past 6 months.
- Be able to afford repayments based on financial commitments.
Tips for a Successful Application
Following these tips can improve approval chances and ensure a smooth process.
- Always make payments on time to maintain a good credit history.
- Have at least 4 years of credit management experience.
- Ensure a personal income of more than £20,000 a year.
- Check eligibility using a soft credit check, which won’t affect your score.
Customer Support and Contact Information
For help with the Amazon Barclaycard, users can contact customer service. The bank provides phone support and an official mailing address for inquiries.
Contact Details
For assistance, call 0800 151 0157 to speak with a representative. The official bank address is 800 Nicollet Mall, Minneapolis, MN 55402.
Support is available for billing, payments, and account issues. Users can also manage their accounts through the mobile app for quicker access.
Disclaimer: The information provided is subject to change based on the bank’s policies. Interest rates, rewards, and terms may vary depending on financial status and approval.
Last Takeaways on the Amazon Barclaycard
The Amazon Barclaycard gives cashback rewards and extra perks to Amazon shoppers. It includes a welcome gift, 0% interest, and app-based management.
Users must meet eligibility rules and submit financial details. The card also has variable interest rates and extra fees. Checking updated terms helps avoid surprises.
