HighlightsCredit Card Feature
Things We LikeSigning bonus of $200 cash rewards
Our Least Favorite Balance transfer fee
Our Verdict Great card for unlimited 1.5% cash rewards on every purchase

  • Our Rating:
  • 4.50/5
  • Your Rating:
Rate This Card

Barclaycard CashForward™ World Mastercard® has all the marks of an easy cash back solution. If collecting cash back coupons and tracking 5% cash back categories that seem to change just when the going gets good totally aren't your thing, then this card is absolutely worth a look. Instead of changing cash back categories or constantly changing cash back offers, Barclaycard CashForward™ World Mastercard® lets you earn a high flat-rate of cash back on all your purchases.

You may already be smiling at the prospect of earning straight cash back on every purchase you make, without hassles. But there are other cards that do that, so how does Barclaycard CashForward™ World Mastercard® compare? In this Barclaycard CashForward™ World Mastercard® review, you can get the lowdown on the pros and cons of this card, and get a clear picture of what this card gives you and where other cards perform better so you can pick the flat-rate cash back card that will give you more.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Barclaycard CashForward™ World Mastercard<sup>®</sup>

Barclaycard CashForward™ World Mastercard®

APPLY NOWAt Barclaycard's secure website
Barclaycard CashForward™ World Mastercard<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
Rate This Card
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 15.74%, 20.74% or 25.74%, based on your creditworthiness
  • Please note, there is a fee for balance transfers
  • No annual fee
APPLY NOWAt Barclaycard's secure website

0% on purchases and balance transfers for 15 months (on balance transfers made within 45 days of account opening)

15.74%, 20.74% or 25.74% Variable

$0

Why we like it
  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening.
  • Earn unlimited 1.5% cash rewards on every purchase.
Excellent

Things We Like About Barclaycard CashForward™ World Mastercard®

You pay no annual fee. This is one of the most important benefits to look for in a cash back card, since an annual fee can really take a bite out of cash back savings.

You earn unlimited 1.5% cash rewards on every purchase. This is, of course, the biggest benefit you get out of this card. Every purchase you charge to the card earns 1.5% cash back, with no limit on the total amount of cash back you can earn. That's a big advantage over many other cash back cards that only let you earn high cash back on a certain amount of spending each quarter. 1.5% cash back may not sound like a huge amount, but if you spend an average of $30,000 per year, which is pretty typical annual spending these days, that 1.5% would translate into $450 earned without any real effort on your part.

You can get extra cash back with the bonus offer. This card has a decent bonus offer that lets you get a $200 cash rewards bonus after spending $1,000 on purchases using your new card within your first 90 days after your card account is opened. So spending an average of $12 on purchases per day during the first 90 days will be enough to get you that bonus.

You benefit from a 0% introductory APR of 15 months on purchases and balance transfers made within 45 days of account opening. If you have credit card debt, then getting this card can help you escape interest payments for a while. You get a 0% introductory APR for the first 15 months for purchases and balances that you transfer to this account, meaning that when you transfer your credit card debt from your old card to this card or make a large purchase, you get 15 months to pay it off without accumulating any interest. Be sure to pay off your debt before the intro APR period ends, as after that period, the standard 15.74%, 20.74% or 25.74% variable APR (depending on your creditworthiness) applies.

You get a 5% bonus every time you redeem your cash rewards. When you redeem your cash rewards, you get a 5% cash rewards redemption bonus. You can then use that bonus cash back toward your next redemption. So if you redeem $100 of cash rewards for cold, hard cash, you earn 5% of that $100 back as a redemption bonus, or around $5. When you take this 5% cash rewards redemption bonus into account, you are really earning more than just 1.5% cash back.

No changing categories. This is really a hassle-free card, since you earn cash back as you spend, automatically. No need to sign up for cash back categories or track cash back deals. Every purchase you make earns the same cash back.

Cash rewards do not expire. As long as your account is open and in good standing, your cash rewards will not expire. So you can collect as much as you want, before redeeming it for cash.

You can redeem your cash rewards easily. The cash back you earn on this card is tracked as cash rewards. Cash rewards can be redeemed for a deposit into your bank account, which is a nice option because you actually earn cold, hard cash. Many other cash back cards only let you redeem cash back as a statement credit, which only helps you when you use your credit card. Barclaycard CashForward™ World Mastercard® also lets you redeem your cash rewards as a statement credit if you want to, and you can also choose to redeem for gift cards.

Enjoy World Mastercard® perks. This card is a World Mastercard®, which entitles you to benefits like price protection (get reimbursed for the difference when you find a lower price on something you bought with your card), extended warranty for things you buy with this card, and a concierge service to take care of bookings or help your shop for gifts or any other items (a big time saver). You get a personal travel advisor, which is basically a travel agent service that helps you arrange and book your travel without any service fee. You also get access to the Mastercard Airport Concierge™ service which includes meet and greet services by dedicated airport concierges who can shuttle you through the airport, provide translations services and help you fast track through immigration's at 450 airports around the world (you will have to pay for meet and greet service, but you get a 15% discount).

Chip technology to help protect you from fraud at chip-enabled merchants. This card comes standard with EMV chip technology, which is rapidly becoming the new standard. This technology also makes your credit card less vulnerable to skimming.

You get free online access to your FICO® Credit Score. This is a nice perk which most credit cards don't offer, and it can save you money since you would normally have to pay to access your FICO Score. Knowing your score helps you know what credit products you are eligible to apply for, which is important if you are considering applying for a phone contract, a personal loan, a mortgage, an insurance policy or many other services that require good credit.

$0 Fraud Liability protection. If your card is lost or stolen and used fraudulently, you won't have to pay Barclaycard for these fraudulent transactions. That gives you a lot of peace of mind in this era of identity theft and data breaches.

Our Least Favorite Things About Barclaycard CashForward™ World Mastercard®

You have to collect $50 of cash rewards before redeeming. Some cards let you redeem cash back any time you choose, for any amount. With this card you will have to accumulate just over $50 before you can redeem it.

You pay a balance transfer fee when you transfer a balance to this card. That fee is 3% of each balance transfer, but never less than $5. Most credit cards have a similar fee. If you have a large credit card balance, the money you save on interest thanks to the 0% intro APR for 15 months on purchases and balance transfers made in the first 45 days after account opening will normally make this fee more than worth it. After the intro APR period a 15.74%, 20.74% or 25.74% variable APR applies.

You pay a high cash advance fee of either $10 or 5% of the amount of cash you draw as a cash advance, whichever is greater. So if you are in the habit of using your credit card to get cash from ATM's, don't use this card to do it or you will pay dearly.

You pay a foreign transaction fee. When you use this card to pay in a foreign currency, for example when traveling outside of the U.S., you pay a fee equal to 3% of each transaction in U.S. dollars. If and when you travel outside of the U.S., make sure to use a credit card with no foreign transaction fees.

How Other Cards Compare With Barclaycard CashForward™ World Mastercard®

APPLY NOWAt Barclaycard's secure website
Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
Intro APR:0% on purchases and balance transfers for 15 months (on balance transfers made within 45 days of account opening)
Regular APR:15.74%, 20.74% or 25.74% Variable
Annual Fee:$0
Credit Required:Excellent
APPLY NOWAt Citi's secure website
Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro APR:0% Intro APR on Balance Transfers for 18 months
Regular APR:14.24% - 24.24%* (Variable)
Annual Fee:$0*
Credit Required:Excellent, Good
One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR:0% intro on purchases and balance transfers for 9 months
Regular APR:13.74% - 23.74% (Variable)
Annual Fee:$0
Credit Required:Excellent, Good

Barclaycard CashForward™ World Mastercard® comes with good benefits and strikes a good balance between offering uncomplicated cash back earning and a high rate of cash back. Daniel DreierDaniel Dreier

Barclaycard CashForward™ World Mastercard® is one of the least complicated cash back credit cards you could use. But at the same time it offers some flexibility when it comes time to redeem your cash back, since you can redeem into a bank account, for statement credit or for gift cards. Thanks to the bonus you earn when you redeem your cash rewards, you actually earn very decent overall cash back by using this card. Because this is a World Mastercard®, you get a lot of unique benefits, and the free FICO Score access offered by Barclaycard is a definite plus.

If you want a card that earns cash back when you use it for any purchase, with no hassles and no funny business, then Barclaycard CashForward™ World Mastercard® is a good option.