For those who like to get out on the road to explore and enjoy staying in a variety of places, the Barclays Coast to Coast Visa Signature Card with Rec Rewards might be a great choice for you. While it’s likely one of the credit cards that is not as well known as the major options, the Visa Signature card comes with plenty of perks designed to reward and meet the needs of traveling consumers.
Credit cards are great to have in the wallet, but sometimes the added fees and small print add up to spending quite a bit each year just to have the privilege of being a cardholder. While there are some advantages to having a membership fee, many credit card users don’t want to add charges to the bill just to use it. Great news – the Barclays Coast to Coast Visa Signature Card with Rec Rewards does not require an annual fee for use at any point. Some credit card users sign up for cards that promise no annual fees for the first year, then they get the bill in the second year and don’t appreciate the $60-120 fee required for holding the card. You don’t have to worry about that with the Barclays Coast to Coast Visa Signature Card with Rec Rewards; however, it is important to note that the offer is subjected to credit approval and certain credit scores won’t be eligible for the Signature Card.
Your credit score has a lot to do with the type of interest rates and advantages you get with cards, so your results might not be as diserable if you have a lower credit rating. For example, there are two APRs for purchases with the Barclays Coast to Coast Visa Signature Card with Rec Rewards including:
- 13.99 percent
- 24.99 percent
Depending on which of these APRs you are eligible for can make a decent impact on your monthly payments and the amount of interest needed to pay off the balance. You should always take the interest rates into consideration when choosing a card – the 13.99 percent rate is fairly average, but the 24.99 is a bit steep compared to some other cards out there. Again, it all depends on your credit rating and how you’ve managed your money on different credit-based accounts. Paying credit cards on time and the amount required are two essential steps in keeping the monthly bills manageable and advantageous — one late payment can cause rates to increase substantially.
Balance transfers and cash advances are both available through the credit card and come with their own set of interest rates. Read the small print before going through with either of these features, no matter what card you have. These two aspects are usually a bit higher in cost, which means you should use them sparingly. The APR for balance transfers is identical to the APR for purchases, which is actually a great feature; however, the APR for cash advances bumps up to 25.24 percent. It’s also important to note that you aren’t able to earn any points for cash advances, balance transfers or balance transfer checks – so there isn’t much benefit if that’s your main motivation for signing up for the Barclays Coast to Coast Visa Signature Card with Rec Rewards.
While the APR variation depends on the credit score, there are additional fees associated with balance transfers, cash advances and foreign transactions. You can see them here:
- Balance Transfer – Either 4 percent of the transfer amount or $10, whichever is greater
- Foreign Transaction – 3 percent of each transaction
- Cash Advance – Either 5 percent or $10 of the cash advance amount, whichever is greater
A great way to stay out of credit card trouble is to avoid penalties, which have a drastic impact on your balance. In the event you make a late payment, your APR can increase to 27.24 percent indefinitely – a risky move for even a single late payment! If you can manage it, balances paid in full each month within the billing cycle will not be charged interest.
So what makes the Barclays Coast to Coast Visa Signature Card with REC Rewards worth having? The credit card has a generous REC rewards system set in place that benefits many cardholders. With the first purchase or balance transfer, cardholders are eligible for 2,500 bonus points – the purchase or transfer must be done within the first billing statement.
Card members can accumulate 5 points for each $1 spent on Coast to Coast products or services, and 1 point for each $1 on all other goods and services.
Points earned with the Barclays Coast to Coast Visa Signature Card with Rec Rewards can be used on the following:
- Free Camping
- Gift Cards for Gas
- Gift Cards to leading merchants and restaurants
- Camping World Gift Cards
- Cash Back Statement Credits
To say the amount of rewards offered through the Barclays Coast to Coast Visa Signature Card with Rec Rewards is endless would be an understatement! The different categories of benefits include:
- Memberships – Good Sam Club, Coast to Coast Renewal, Golf Card International Single Membership
- Camping – Camping World Gift Card, Coast to Coast Trip Points
- Gas Gift Cards – Speedway, Shell, BP, ExxonMobil and more
- Dining Gift Cards – Applebee’s, Cracker Barrel, Macaroni Grill, Cheesecake Factory and more
- Merchandise Gift Cards – Barnes & Nobel, Walgreen’s, Pottery Barn, The Home Deport and more
- Rewards – Tickets to SeaWorld Orlando, Cash back, discounts on airfare, charcoal grills and more
Earning points is easiest through purchasing items related to the REC rewards points, which includes the Coast to Coast related services and products, magazine subscriptions and Camping World Purchases. The Coast to Coast membership offers a range of RV resorts and privileges to members – if you love to get outdoors and enjoy camping or RV’ing, it is definitely worth looking into.
The Barclays Coast to Coast Visa Signature Card with Rec Rewards is designed to reward those who partake in the Coast to Coast network, so if you don’t belong to it there might be limited reasons why this card is for you. However, if you are contemplating joining in, signing up for the Barclays Coast to Coast Visa Signature Card with Rec Rewards is a great way to earn perks and rewards with your purchases.