Barclaycard Avios Plus Card review

The Barclaycard Avios Plus Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

How does it compare with rival American Express?

• Features
• Fees

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Product UKCCF	Max. intro bonus	Default earn-rate	Additional cards available	Annual/monthly fees	Link	Additional rewards
Barclaycard Avios Plus Card	25,000 points	1.5 points per £1 spent	4	£20 per month	Read review Compare	Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £20 per month, your representative rate is 80.1% APR (variable).	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	30,000 points	1.5 points per £1 spent	1	£300 per annum	Check eligibility Read review Compare	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.2% APR (variable).	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	30,000 points	1 point per £1 spent	1	Year 1 - £0, Year 2 onwards - £195 per annum	Check eligibility Read review Compare	New Cardmembers earn 30,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Offer ends 14 January 2025. Terms Apply. 18+, subject to status. Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.3% APR (variable).	loading Fetching your data...
Vanquis Bank Credit Builder Credit Card Visa	N/A	N/A	1	£0	Read review Compare	Representative example: When you spend £1,000 at a purchase rate of 37.9% (variable) p.a., your representative rate is 37.9% APR (variable).	loading Fetching your data...
Barclaycard Select Charge Card	N/A	N/A		£42 per annum	Go to site Read review Compare		loading Fetching your data...

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Product UKCCF	Finder Score	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Link	Key benefit	Representative example
Barclaycard Avios Plus Card	Finder score 8Great	29.9%	29.9% (0% fee)	£20 per month	80.1% APR (variable)	Card details Compare	Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)	Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £20 per month, your representative rate is 80.1% APR (variable).	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	Finder score 8.1Great	30.7%	30.7% (3% fee)	£300 per annum	139.2% APR (variable)	Check eligibilityCard details Compare	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.2% APR (variable).	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	Finder score 7.9Great	30.7%	30.7% (3% fee)	Year 1 - £0, Year 2 onwards - £195 per annum	88.3% APR (variable)	Check eligibilityCard details Compare	New Cardmembers earn 30,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Offer ends 14 January 2025. Terms Apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.3% APR (variable).	loading Fetching your data...
Vanquis Bank Credit Builder Credit Card Visa	Finder score 7.4Great	37.9%	N/A	£0	37.9% APR (variable)	Card details Compare		Representative example: When you spend £1,000 at a purchase rate of 37.9% (variable) p.a., your representative rate is 37.9% APR (variable).	loading Fetching your data...
Barclaycard Select Charge Card	Finder score 5.8Standard	N/A (this product is a charge card).	N/A	£42 per annum	N/A (this product is a charge card).	Go to siteCard details Compare	Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.		loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Repayment options

You can make manual repayments through Barclaycard's app by logging in to your online banking or over the phone (0800 151 0900). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply for this Barclaycard

If you've compared cards and settled on the Barclaycard Avios Plus Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

Bottom line

As the premium version of the Barclaycard Avios Card, you can expect some sky-high benefits when opting to apply for this rewards credit card and Barclaycard doesn’t disappoint. With the welcome bonus alone you could enjoy an economy return flight from London to Barcelona (granted you meet the spending criteria). But if the card’s high interest rate or annual fee is a cause for delay, you could always opt for its little sister. Remember, like all rewards cards, unless you pay your balance in full each month, you won’t be seeing much payback, especially with that high interest rate.

How does it compare?

Barclaycard's card

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Product UKCCF	Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Barclaycard Avios Plus Card	Finder score 8Great	25,000 points	1.5 points per £1 spent	1.5 points per £1 spent	£20 per month	80.1% APR (variable)	Read review Compare	Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7,000 bonus Avios. Avios value varies dependent on reward (min 1,000pts for flights)	Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £20 per month, your representative rate is 80.1% APR (variable).	loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Other popular reward cards

Table: sorted by representative APR, promoted deals first

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Product UKCCF	Finder Score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score 8.6Great	N/A	1 point per £1 spent	1 point per £5 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
M&S Bank Credit Card Purchase Plus Offer Mastercard	Finder score 8.6Great	N/A	1 point per £1 spent	1 point per £1 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
John Lewis Partnership Credit Card	Finder score 8.2Great	N/A	1.25 points per £1 spent	1 point per £4 spent	£0	28.9% APR (variable)	Check eligibility Read review Compare	Earn 2.5% back as points towards gift vouchers on eligible spend at John Lewis and Waitrose in the first 60 days from account opening. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)	Representative example: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).	loading Fetching your data...
American Express® Rewards Credit Card Finder Award	Finder score 8.2Great	10,000 points	1 point per £1 spent	1 point per £1 spent	£0	30.7% APR (variable)	Check eligibility Read review Compare	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Frequently asked questions