Earn factors every time you store at Amazon and elsewhere

It’s been a few years for the reason that last Amazon credit card was withdrawn, however lastly there’s a brand new model launched. As soon as once more it’s a reward card, that means you possibly can probably earn as much as 2% again in your spending. Right here’s every part it is advisable to know.

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What’s the Amazon Barclaycard Rewards bank card?

Very merely, the Amazon Barclaycard is a card that pays you each time you spend, with higher charges from spending at Amazon. Each time you spend you’ll earn factors, which will be swapped for Amazon credit score.

You’ll want 500 factors to get a £5 voucher, although you possibly can select to maintain incomes factors and swap them later, in multiples of £5. If you do alternate the factors, the voucher is added straight to your Amazon account.

There’s no annual charge for the cardboard. Although it has an rate of interest of 28.9% APR, it’s finest to all the time make sure you clear what you owe in full each month to keep away from this cost.

The bank card from Amazon is definitely a Barclaycard, which implies when you’ve got one other Barclaycard, or have had one within the final six months, you gained’t be capable of get this.

It’s app solely, and also you’ll want the Barclaycard or Barclays app to handle your account.

What are you able to earn on spending?

That is the place it will get slightly complicated, as there are two totally different charges. You’ll must be logged into your account to see what you’ll get.

On the Amazon website, the principle reward fee is 1% on all Amazon spending and 0.5% on spending elsewhere for the primary 12 months. After a yr the speed drops to 0.25% at different retailers. That is the usual providing.

However for my account I see a distinct model of this, with 2% on Amazon and 1% elsewhere for the primary six months, dropping to 1% and 0.5% respectively after this. After 12 months it’ll drop once more, and match the charges all prospects get. It’s because I had the outdated model of the cardboard, so I’m getting an additional increase, albeit for a short while.

There’s additionally a bonus fee that applies throughout massive Amazon sale days akin to Prime Day and Black Friday, with an additional 2% on supply if you’re a Prime member. Once more, earlier prospects will get extra, with a fee of 4% again on those self same gross sales for the primary six months.

First six months Second six months After one yr
Commonplace new buyer supply 1% at Amazon, 0.5% elsewhere, 2% on Prime Day / Black Friday 1% at Amazon, 0.5% elsewhere, 2% on Prime Day / Black Friday 1% at Amazon, 0.25% elsewhere, 2% on Prime Day / Black Friday
“Loyalty” supply for earlier cardholders 2% at Amazon, 1% elsewhere, 4% on Prime Day / Black Friday 1% at Amazon, 0.5% elsewhere, 2% on Prime Day / Black Friday 1% at Amazon, 0.25% elsewhere, 2% on Prime Day / Black Friday

Amazon Barclaycard welcome affords

Assuming you’re eligible, there’s a small bonus accessible when you apply efficiently. Once more, the scale of this may increasingly rely on whether or not you had the outdated card.

The usual supply is a £20 Amazon credit score, and also you don’t must spend something to set off it.

Nonetheless, you possibly can generally get a bigger bonus when signed into Amazon. And round Prime Day, they provide larger offers — this yr, that’s £40 for non-Prime members and £50 for Prime members.

As with reward playing cards you earn from ongoing spending, this welcome reward is robotically added to your Amazon account.

For those who’re seeing the decrease supply, it may be prudent to attend and see if it’s elevated on days like Prime Day or Black Friday. Although it is a brand-new card, boosting the speed was a typical incentive up to now.

Amazon is clearly far more than only a web site, and also you’ll get the upper 1% fee in yr one (0.5% after this) on the following manufacturers:

  • Amazon Retail
  • Amazon Market
  • Amazon Recent
  • Amazon Music
  • Entire Meals
  • Audible
  • Kindle
  • Twitch
  • Amazon Prime Video
  • Amazon Luna
  • Amazon Blink
  • AWS Coaching UK
  • Amazon Bulk Liquidations
  • Amazon Commerce In UK

There’s additionally 5% off ticket costs and 10% off some presales from Barclaycard Entertainment, although any Barclaycard will get the identical affords.

0% on purchases

New cardholders may spend for six months at zero %. However after this you’ll get charged curiosity. For those who want an curiosity free buy bank card there are longer choices on the market.

Utilizing the cardboard

When you’re accepted the cardboard will robotically be added to your Amazon account and set because the default card. That is smart because it’ll be the best choice, no less than within the first yr. Although you possibly can in fact change that in your settings or at checkout.

There’s a digital card accessible within the app immediately, so you possibly can seize your particulars and get spending if wanted.

You’ll get despatched a bodily card, which you’ll add to a Google Pay pockets in your telephone or simply use contactless or by way of Chip & PIN. Sadly you possibly can’t add your card to Apple Pay proper now.

Will the Curve/Apple Pay hack work?

You may attempt using Curve as a workaround, the place you add your Barclaycard to Curve and add your Curve card to Apple.

Nonetheless, there are issues together with his. First it’ll break the Section 75 Protection you get. This can be a actually helpful shopper safety when you purchase one thing costing greater than £100.

Plus Barclaycard have informed me that they don’t recognise Curve purchases as eligible for any rewards, so that you gained’t earn any factors in any respect this manner. So there’s not a lot level actually.

Abstract

Amazon Barclaycard Credit score Card

Welcome supply At the very least £20 Amazon voucher if profitable – might be as a lot as £50
will increase to £50 when you had the earlier Amazon card
Reward on spending 1% at Amazon, 2% on massive Amazon occasions and 0.5% elsewhere for 12 months
1% at Amazon, 2% on massive Amazon occasions and 0.25% elsewhere after 12 months
Double for first six months for earlier prospects
Rate of interest 0% curiosity on purchases for six months
29.9% APR

Is it price it?

In case you are eligible for the loyalty supply as a returning cardholder, you’ll gained’t beat the preliminary 2% fee at Amazon and 4% increase on Black Friday model occasions. You additionally gained’t beat the 1% elsewhere within the first six months on a non-Amex bank card. You possibly can nonetheless match it on the top reward and cashback cards such because the Chase debit card and Amex Nectar card.

However when you’re solely getting the usual supply for the primary 12 months, it’s much less interesting. And after a yr the speed drops to effectively under what the very best options supply.

You do nonetheless get the elevated fee on occasions like Prime Day and Black Friday, although don’t be tempted to spend extra on these gross sales merely due to the upper reward fee. Plus, you’ll additionally must shell out £95 a yr to get Prime.

I’d additionally take a look at different Barclaycard choices first. We’re followers of the Barclaycard Rewards card which is fee-free abroad and pays 0.25% – an important again up, particularly on vacation.