Barclaycard Rewards - Excellent Credit vs. Good Credit

[IEM]

What scores qualify for "excellent credit" vs. "good credit" for the Barclaycard Rewards card?

[b_seeker]

There is more to it than scores but likely any score over 700 is probably good enough for them. Maybe even 680s. There is no difference between the good and average credit cards. The excellent credit card offers potentially different APRs. (14.99, 19.99, 29.99) where the good only offers 29.99. If you think you are borderline, apply for excellent credit. If denied, recon with them and they will change the terms to good credit if they accept you and think it's warranted.

[bs6054]

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@b_seeker wrote:

There is more to it than scores but likely any score over 700 is probably good enough for them. Maybe even 680s. There is no difference between the good and average credit cards. The excellent credit card offers potentially different APRs. (14.99, 19.99, 29.99) where the good only offers 29.99. If you think you are borderline, apply for excellent credit. If denied, recon with them and they will change the terms to good credit if they accept you and think it's warranted.

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And, unless you are PCing, there is no advantage to the rewards card over Barclays Priceline Visa (applying from Priceline.com).  That gives 2% off everything, rather than 2% off somethings.