Barclays credit cards are probably the bank’s best-known products in the U.S.. That’s primarily because Barclays offers a range of excellent travel rewards credit cards and co-branded cards with top airlines and hotel chains. Barclays offers a variety of other useful Barclaycard credit cards, too, including cash-back cards and balance transfer cards that can help you pay down credit card debt.

Whether you’re into travel, paying down debt, or just your favorite NFL team, Barclays has a card for you. Here’s an overview of some of Barclays’ top credit cards, along with answers to common questions about them.

What are the best Barclays credit cards?

Barclaycard Arrival® Plus World Elite Mastercard®

Annual Fee: $0 the first year, then $89

APR: 0% for 12 months, then 18.24% to 25.24%

Bonus: 70,000 miles

Rewards: Unlimited 2X miles on every purchase.

Pro: Redeem your miles for travel, cash back or gift cards, and get 5% of your miles back with every redemption.

Con: The card doesn’t include premium travel perks, like travel insurance, which many high-end travel cards offer.

Read full card details here.

Barclaycard Ring™ Mastercard®

Annual Fee: $0

APR: 0% for 15 months on balance transfers, then 14.24%

Bonus: $0

Rewards: None

Pro: The card offers a generous introductory 0% APR period and a low standard APR, so it’s great for paying down credit card debt.

Con: The Barclaycard Ring™ Mastercard® doesn’t offer any rewards.

Read full card details here.

JetBlue Card

Annual Fee: $0

APR: 18.24%, 22.24% or 27.24%

Bonus: 10,000 points

Rewards: 3X points on JetBlue purchases, 2X points on restaurants and groceries, and 1X points on all other purchases.

Pro: In addition to earning 3X points on JetBlue purchases, you’ll also save 50% on in-flight purchases with your JetBlue Card.

Con: The card is only valuable if you frequently fly JetBlue.

Read full card details here.

JetBlue Plus Card

Annual Fee: $99

APR: 0% intro APR for 12 months, then 18.24%, 22.24% or 27.24%

Bonus: 40,000 points

Rewards: 6X points on JetBlue purchases, 2X points on restaurants and groceries, and 1X points on all other purchases.

Pro: Enjoy 5,000 bonus points every year on your account anniversary, 50% off in-flight purchases, and a $100 annual statement credit after purchasing a JetBlue Vacations package of $100 or more.

Con: Points can only be redeemed for JetBlue flights, so the card will have little value if you don’t fly JetBlue often.

Read full card details here.

Uber Visa Card

Annual Fee: $0

APR: 17.24%, 22.99% or 25.99%

Bonus: $100

Rewards: 4% back on dining, 3% back on travel, 2% back on Uber and online purchases, and 1% back on everything else.

Pro: The card offers up to $600 in cell phone protection, plus a $50 statement credit for streaming services after you spend $5,000 or more in a single year.

Con: The rewards rate for Uber rides is surprisingly low.

Read full card details here.

NFL Extra Points Visa Signature Card

Annual Fee: $0

APR: 0% for 6 months on NFL ticket purchases and 15 months on balance transfers, then 17.24%, 22.24% or 27.24%

Bonus: 10,000 points

Rewards: 2X points on NFL purchases, including team pro shops and NFLShop.com, and 1X points on all other purchases.

Pro: You’ll earn 20% off all your NFLShop.com purchases when you use your NFL Extra Points Visa Signature Card.

Con: Unless you attend NFL games frequently, the rewards won’t add up.

Read full card details here.

MasterCard® Titanium Card™

Annual Fee: $195

APR: 0% for 15 months on balance transfers, then 17.24%

Bonus: $0

Rewards: 1X points on all purchases. Points are worth $0.02 each when redeemed for airfare, or $0.01 each when redeemed for cash back.

Pro: The card gives you a concierge service to help you book travel. You’re also eligible for complimentary benefits, like room upgrades, when you book through Luxury Card Travel.

Con: The Mastercard Titanium Card doesn’t include an airline credit like the Mastercard® Black Card™ and the Mastercard® Gold Card™.

Read full card details here.

Mastercard® Black Card™

Annual Fee: $495

APR: 0% for 15 months on balance transfers, then 17.24%

Bonus: $0

Rewards: 1X points on every purchase Points are worth $0.02 each when redeemed for airfare, or $0.015 each when redeemed for cash back.

Pro: You’ll receive a $100 annual airfare credit, free airport lounge access, and a TSA PreCheck/Global Entry credit.

Con: Unless you travel often, this card will probably end up costing you money, thanks to its $495 annual fee.

Read full card details here.

Mastercard® Gold Card™

Annual Fee: $995

APR: 0% for 15 months on balance transfers, then 17.24%

Bonus: $0

Rewards: 1X points on every purchase Points are worth $0.02 each when redeemed for airfare or cash back.

Pro: Cardholders receive a $200 annual travel credit, TSA PreCheck/Global Entry Credit, free airport lounge access, a concierge service, and more.

Con: The $995 annual fee puts this card out of reach for most people.

Read full card details here.

Will I be accepted for a Barclaycard?

Barclays, like all credit card issuers, evaluates credit card applicants based on credit score and history. Your credit score is based on your credit report, which is essentially a measure of your financial responsibility. It looks at your payment history, how much of your existing credit you use each month, and how often you apply for new credit, among other factors. Institutions like FICO use this information to generate a score ranging from 300 to 850; a higher score indicates a better financial history.

Unfortunately, credit card issuers don’t publish minimum credit scores required for approval. Generally speaking, you’ll need good to excellent credit for a Barclays credit card. That’s a score of 700 or above. If you fall into this range, you shouldn’t have trouble getting most credit cards.

If you have fair or poor credit, there’s a higher chance that your application will be denied. This could hurt your credit score even further, as the card issuer will do a hard inquiry on your credit report, and that automatically drops your score by a few points.

In this case, you’re probably better off applying for a secured credit card—one designed to help people improve poor credit—and waiting to apply for any Barclays credit cards. Check out the CardCruncher guide to improving your credit to get a sense of what that entails.

What is the best Barclays rewards credit card?

The best Barclays credit card will largely depend on how you use your credit card and the type of rewards you seek. Rewards credit cards fall into two main categories: cash-back cards, or travel card. We’ll get to travel cards in a moment.

Cash-back cards offer versatility, as your rewards on anything. Most offer bonus categories, like dining or groceries, where you earn at a rate higher than the standard 1% or 1 point per dollar. Choose a card with bonus categories that align with your spending to maximize your rewards.

Some Barclays credit cards, like the Uber Visa Card, offer bonus categories that cover everyday purchases, while other cards, like the NFL Extra Points Visa Signature Card, will only appeal to a niche audience.

Many Barclays rewards credit cards don’t charge an annual fee, but if you choose one that does, be sure that you’ll earn enough in rewards to offset the annual fee. Otherwise, it won’t be worth adding that card to your wallet.

What is the best Barclays travel credit card?

Barclays offers several travel credit cards with different strengths. Some, like the JetBlue Card and JetBlue Plus Card, offer rewards pegged to a specific airline, while others, like the Mastercard® Gold Card™, offer rewards that work on any airline or travel provider.

You’re better off going with a more flexible travel cards unless you routinely book the same airline or hotel chain. These general travel cards grant you the freedom to choose when and how you want to travel without restrictions. On the other hand, if you remain loyal to a single airline, like JetBlue, co-branded cards often include specialized perks, like in-flight discounts or free checked bags. Again, that can add up with frequent use.

Travel credit cards charge annual fees more often than cash-back cards, but they frequently offer lucrative perks, like annual airline credits, travel insurance and free access to airport lounges. If you travel often, it may be worth investing in a premium travel card. If you only travel once or twice per year, you’ll likely get better value from a card with fewer perks, but also a lower fee.

How long does it take to get a Barclays credit card?

When you apply for a Barclays credit card online, you’ll most likely receive instant approval if you have a good credit score. Your card will be shipped to you within one to two weeks. In rare circumstances, the company may need additional time to consider your application. If this happens, you’ll either receive your new Barclays credit card in the mail within seven to 14 days of submitting your application, or you’ll receive a letter informing you that your application has been denied.

If your application is denied, Barclays may suggest an alternative credit card that it believes you qualify for based on the information you provided. You’ll receive an application form for this card, which you can send back to the company if you’re interested.

How do I pay my Barclaycard credit card?

You can pay your Barclays credit card bill using a debit card or direct deposit from a bank account. Log in to your Barclays credit card account at any time to view your bill, to make a one-time payment, or to set up automatic payments. When you choose automatic payments, you can select whether you’d like to pay the full amount each month, the minimum amount, or something in between.

If you don’t want to log into your online account all the time, download the Barclaycard app for iOS and Android devices. That lets you pay your bill, view statements and adjust your payment settings just as you could from the Barclays website.

You can also pay your bill over the phone, but online payments are usually the most convenient option.

How do I increase my Barclays credit card limit?

You can request a limit increase on your Barclays credit card from your online account. After indicating the limit that you want, and you may be asked to provide updated information on your income and employment status. You’ll usually receive an answer within 24 hours of your request. If for some reason your request is denied, the company may offer you a smaller credit increase than the one you requested.

It’s worth noting that Barclays will not increase your credit limit if it has been less than four months since your last credit limit increase, or if it has been less than six months since your credit limit was last decreased. You must also wait at least one month between credit limit increase requests if your last request was declined. Keep all this information in mind to minimize the odds your request will be denied.

Don’t request a credit limit increase unless you feel confident that you’ll be approved. Every time you make that request, Barclays will do a new hard inquiry on your credit report. Each hard inquiry will lower your credit score by a few points. The effect is negligible if you’re approved for the increase, but if you’re denied, a lower credit score could make it even more difficult to secure a credit limit increase in the future.