In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
  • Your reviews
Amazon Barclaycard Visa
3.8
★★★★★
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 28.9% (variable) p.a., your representative rate is 28.9% APR (variable).
Earn rate at Amazon
1 point per £1 spent
Earn rate (elsewhere)
1 point per £1 spent
Welcome giftcard
£20

Our verdict

Amazon and Barclaycard’s new rewards credit card: Is it the Prime choice for shoppers?

The new Amazon Barclaycard rewards credit card is tailor-made for the savvy online shopper, packed with some great perks and rewards, making it almost as irresistible as a Prime Day flash sale.

Right off the bat, you’re welcomed with a £20 Amazon gift card upon approval - a little something to sweeten your next check out. You’ll also have 6 months 0% interest on purchases, where you can spread the cost of a larger purchase or finally buy that Amazon wish list you’ve been meticulously curating. Though it is important to note that any balance that isn’t included in the 0% 6-month period or repaid in full the following month will attract interest.

But where this card really shines is in its rewards system. You’ll earn 1% back on Amazon purchases, or 2% if you’re a Prime member during those all-important shopping events like Prime Day. For the other places you shop, you’ll still pocket 0.5% back on purchases.

So how do you redeem your rewards? When you’ve earned £5 in rewards, you can exchange that for a £5 Amazon gift card to use on Amazon, or you can let the rewards accumulate. As your earnings grow, you can redeem gift cards in multiples of £5.

Whilst the Amazon Barclaycard has plenty of perks, there are a few downsides to consider. This card can only be managed via the Barclays or Barclaycard app, so if you’re not keen on managing your finances from your phone, you might find it a bit of a hassle.

Also, keep in mind that after the first 12 months, the 0.5% earned back on non-Amazon purchases drops to a less enticing 0.25%. Apple Pay isn’t supported, which could be inconvenient for those who rely on contactless mobile payments. Lastly, if you already have a personal Barclaycard or had one within the past 6 months, you won’t be able to apply for the Amazon Barclaycard just yet.

If you love Amazon and don’t mind managing your card via an app, this could be a great fit. Just remember, it’s always wise to weigh your options - check out other rewards or 0% purchase credit cards to ensure you’re getting the best deal.

Pros

  • 0% interest for 6 months on purchases
  • £20 welcome voucher upon approval
  • Earn rewards on all your spending
  • Turn rewards in Amazon gift cards

Cons

  • Apple Pay not available
  • New Barclaycard customers only
  • Reduced rewards rate after 12 months
  • Manage your account only through the Barclays or Barclaycard app

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
  • Your reviews

Details

Product Overview

Issuer Barclaycard
Network Visa
Representative APR 28.9% APR (variable)
Annual/monthly fees £0
Loyalty scheme Rewards
Incentive Get 1% back in rewards when shopping on Amazon and 0.5% elsewhere. Amazon Prime members receive 2% back in rewards during eligible Amazon shopping events.
Incentive on opening Receive a £20 Amazon gift card upon approval.
Purchases 0% for 6 months reverting to 28.9%
Purchases interest-free period (days) 57
Potential costs 3.8 ★★★★★
Doing its job 3.7 ★★★★★
Extras 4.7 ★★★★★
Overall Finder Score 3.8 ★★★★★

Fees and charges

Minimum monthly payment 1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.
Annual/monthly fees £0
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 2.99% (min. £2.99)
Late payment fee £12
Replacement card fee £0
Duplicate statement fee £0
Exceeding limit fee £0
Additional card fee £0
Dormancy fee £0

Application Requirements

Minimum Age 18
Availability Available to new customers

How does it compare?

Amazon's card

1 - 1 of 1
Name Product Finder Score Finder score Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
Amazon Barclaycard Visa
3.8
★★★★★
★★★★★
Expert analysis
£20
1 point per £1 spent
1 point per £2 spent
£0
28.9% APR (variable)
Get 1% back in rewards when shopping on Amazon and 0.5% elsewhere. Amazon Prime members receive 2% back in rewards during eligible Amazon shopping events.
Representative example: When you spend £1,200 at a purchase rate of 28.9% (variable) p.a., your representative rate is 28.9% APR (variable).
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Other popular reward cards

Table: sorted by representative APR, promoted deals first
1 - 20 of 35
Name Product Finder Score 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 Purchase Plus Offer Mastercard
4.1
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £1 spent
£0
24.9% APR (variable)
Check eligibility
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).
M&S Bank Credit Card Transfer Plus Offer Mastercard
3.9
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
24.9% APR (variable)
Check eligibility
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).
John Lewis Partnership Credit Card
3.9
★★★★★
★★★★★
Expert analysis
N/A
1.25 points per £1 spent
1 point per £4 spent
£0
28.9% APR (variable)
Check eligibility
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).
British Airways American Express® Credit Card
4.0
★★★★★
★★★★★
Expert analysis
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
31% APR (variable)
Check eligibility
New Cardmembers collect 5,000 bonus Avios when you spend £2,000 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 31% (variable) p.a., your representative rate is 31% APR (variable).
American Express® Rewards Credit Card
3.9
★★★★★
★★★★★
Expert analysis
10,000 points
1 point per £1 spent
1 point per £1 spent
£0
31% APR (variable)
Check eligibility
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 31% (variable) p.a., your representative rate is 31% APR (variable).
Yonder 'No Fee' Credit Card
4.0
★★★★★
★★★★★
Expert analysis
N/A
5 points per £1 spent
1 point per £1 spent
£0
32.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).
Nectar Credit Card
3.8
★★★★★
★★★★★
Expert analysis
20,000 points
3 points per £1 spent
2 points per £1 spent
Year 1 - £0, Year 2 onwards - £30 per annum
37.8% APR (variable)
Check eligibility
New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).
The Marriott Bonvoy American Express Card
4.0
★★★★★
★★★★★
Expert analysis
20,000 points
6 points per £1 spent
2 points per £1 spent
£95 per annum
54.8% APR (variable)
Check eligibility
Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).
Yonder Credit Card
4.5
★★★★★
★★★★★
Expert analysis
10,000 points
25 points per £1 spent
5 points per £1 spent
1 month for £0, £15 per month thereafter
66.7% APR (variable)
Check eligibility
First month free for new members, £15 p/m thereafter. Plus, 10,000 bonus points. Earn 5 points per £1 spent and up to 25 points per £1 at selected partners. Membership includes worldwide travel insurance, no FX fees and use your points towards any flight.
Representative example: When you spend £1,200 at a purchase rate of 29.94% (variable) p.a. with a fee of £15 per month, your representative rate is 66.7% APR (variable).
American Express® Preferred Rewards Gold Credit Card
4.0
★★★★★
★★★★★
Expert analysis
20,000 points
3 points per £1 spent
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £195 per annum
88.8% APR (variable)
Check eligibility
New Cardmembers earn 20,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Terms Apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.8% APR (variable).
British Airways American Express® Premium Plus Card
4.0
★★★★★
★★★★★
Expert analysis
30,000 points
3 points per £1 spent
1.5 points per £1 spent
£300 per annum
139.9% APR (variable)
Check eligibility
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 31.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.9% APR (variable).
The Platinum Card® by American Express
4.0
★★★★★
★★★★★
Expert analysis
40,000 points
2 points per £1 spent
1 point per £1 spent
£650 per annum
704.6% APR (variable)
Check eligibility
Earn 40,000 Membership Rewards® points, when you spend £6,000 in your first 3 months of Cardmembership. 18+, subject to status. Terms Apply.
Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 704.6% APR (variable).
Tesco Bank Low APR Clubcard Credit Card
5.0
★★★★★
★★★★★
Expert analysis
N/A
1.25 points per £1 spent
1 point per £8 spent
£0
10.9% APR (variable)
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).
The Co-operative Bank Members' Credit Card Visa
3.5
★★★★★
★★★★★
Expert analysis
N/A
1 point per £2 spent
1 point per £3.33 spent
£0
18.2% APR (variable)
1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.
Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).
M&S Bank Rewards Credit Card Mastercard
4.1
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
23.9% APR (variable)
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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
HSBC Premier Credit Card
3.5
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £1 spent
£0
23.9% APR (variable)
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles. 1 point = 1p (no min)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Tesco Bank Balance Transfer Card
4.1
★★★★★
★★★★★
Expert analysis
N/A
1.25 points per £1 spent
1 point per £8 spent
£0
24.9% APR (variable)
1 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants or entertainment.
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).
Tesco Bank Clubcard Low Fee Balance Transfer Mastercard
4.1
★★★★★
★★★★★
Expert analysis
N/A
1 point per £4 spent
1 point per £8 spent
£0
24.9% APR (variable)
5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers
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).
Virgin Money Virgin Atlantic Reward Credit Card
3.9
★★★★★
★★★★★
Expert analysis
N/A
1.5 points per £1 spent
1 point per £1.33 spent
£0
26.9% APR (variable)
Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).
NatWest Travel Reward Credit Card Visa
4.3
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £10 spent
£0
27.9% APR (variable)
Earn 1% in Rewards on eligible travel spending and up to 15% on monthly offers from chosen partner retailers. Earn 0.1% everywhere else. Rewards can be converted into money and transferred to a current account, exchanged for e-codes with some retailers worth more than the cash or converted into money and donated to one of the RBS Group chosen charities.
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
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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.

Key features of the Amazon Barclaycard credit card

  • Welcome voucher. Receive a £20 Amazon gift card upon approval.
  • 0% interest. Enjoy 6 months of 0% interest on purchases, ideal for spreading out the cost of larger buys.
  • Rewards. Earn 1% back on Amazon purchases and 2% if you’re a Prime member during key shopping events like Prime Day; you can also earn 0.5% back on non-Amazon purchases (though this drops to 0.25% after the first 12 months).
  • Exchange rewards for gift cards. Transfer your rewards into a £5 Amazon gift card when you’ve accumulated £5, or let your rewards build up for future use.
  • App-only management. The card is managed exclusively through the Barclays or Barclaycard app, which may not suit everyone.
  • No Apple Pay. The card doesn’t support Apple Pay, which is potentially inconvenient for those who prefer making contactless payments using their mobile.

What rewards can I get with the Amazon Barclaycard?

When you use your Amazon Barclaycard, you’ll rack up rewards based on where you shop:

  • Amazon rewards. Earn 1% back on Amazon purchases, or 2% back if you’re an Amazon Prime member during special events like Prime Day.
  • Everyday rewards. Earn 0.5% back on purchases made elsewhere (0.25% after the first 12 months).

Please note, rewards can’t be earned on cash withdrawals or purchases which are subsequently returned or refunded.

How do Amazon rewards work?

  1. When you’ve earned £5 in rewards, you can transfer and add a £5 Amazon gift card to your Amazon account.
  2. Alternatively, you can carry on earning and then transfer gift cards in multiples of £5.
  3. You’ll find your gift cards in your Amazon account within 2 hours of transferring them.
  4. You can then apply gift cards to your purchases when you check out at Amazon.

Remember that you can only redeem rewards via the Barclays or Barclaycard app.

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:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for this Barclaycard

If you've compared cards and settled on the Amazon Barclaycard Visa, 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.

Frequently asked questions

What credit limit will I get with the Amazon Barclaycard Visa?

If Barclaycard offers you this deal, it will specify a personalised credit limit based on Barclaycard's assessment of your situation. The minimum limit offered on this card is £500, and Barclaycard does not specify a maximum. Once you've had the card for a while and shown Barclaycard you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Amazon Barclaycard Visa?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Amazon Barclaycard Visa is 2.99% (min. £2.99). For example, if you withdraw £50, you'll incur a fee of £2.99. Withdraw £250 and you'll incur a fee of £7.48.

The interest rate on this part of your balance will be 28.9%, which is the same as the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 57 days interest-free" grace period won't apply).

How much does it cost to use the Amazon Barclaycard Visa abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£168.82), it'll cost you around £5.05 in fees.

What is the minimum payment on the Amazon Barclaycard Visa?

Each month, you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money, which can lead to persistent debt.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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