There are two versions of the Barclays Frontier Airlines World MasterCard: one with an annual fee, and one without an annual fee. Guess which one offers a lot better features and benefits. So, let’s begin by saying that there’s no personal bias towards this or any card as far as I am concerned. We’re here now to examine this rewards credit card, and to see how it stacks up, in terms of overall usefulness and value, to you, the potential cardmember.
Version I of the Barclays Frontier Airlines World MasterCard – $69 Annual Fee
With the $69 annual fee version of the Barclays Frontier Airlines World MasterCard, you’ll be privy to the following features and benefits:
- As many as 50,000 bonus miles for entering contract;
- Earn 40,000 miles after charging at least $500 in the first 3 months;
- Earn 1 mile per $1 of balance transfers within the first 3 months of card ownership, maximum of 10,000 allowed;
- Earn 1 mile per one dollar spent on general purchases;
- Earn 2 miles for every dollar spent on Frontier purchases;
- 0% APR on general purchases and balance transfers for the first year;
- Ability to redeem companion tickets for a maximum of 5000 miles;
Version II of the Barclays Frontier Airlines World MasterCard: No Annual Fee
- Up to 20,000 bonus points when you are approved for the card;
- Receive 10,000 bonus miles after your first balance transfer or purchase;
- For the first 3 months, you will earn 1 bonus mile for every dollar of balance you transfer;
- You get 1 mile for every dollar you spend on Frontier products and services;
- You get 1 mile for every dollar you spend on all other purchases;
- 0% APR on balance transfers and purchases for the first year;
The “Miles” you earn by using the Barclays Frontier Airlines World MasterCard are accumulated in your EarlyReturns® account. You may begin to redeem your smiles for travel services when you have accumulated a minimum of 20,000 miles. When you do exchange your miles in for free travel, it’s not altogether free. You still have to pay all applicable taxes. Didn’t think the government was going to miss out on a chance to take a little more from you, did you?
APRs and Transaction Fees for the Barclays Frontier Airlines World MasterCard
After the initial 12 months of card ownership at the 0% level for purchases and balance transfers, your APR will be set, according to your credit history and score, at either 15.99%, or 24.99%. And of course these rates will vary with the Prime Rate. The APR for cash advances is set at 25.24%, a bit lower than most other cards I research, but not by much. The penalty APR is set at 27.24% while most other cards charge 29.99%, the maximum allowed by laws. Any more would be classified as illegal usury. Barclay’s says you will always have at least 23 days grace in which to make your minimum payment due, each billing cycle, and avoid paying any interest charges at all. There is also a minimum of $2 charged if you are required to pay any interest at all.
Transaction Fees for the Barclays Frontier Airlines World MasterCard
- The aforementioned annual fees: either $69 or $0;
- Balance transfers cost the most between 4% and $10, the same as almost every other credit card;
- Cash advances will cost either $10 or 5%, a little higher than most other cards, by 1% n(most charge 4% or $10);
- Foreign transactions cost the same as with most other credit cards at 3%;
- And like the majority of other credit cards out there, if you make a payment late, or have a payment returned, you shall incur a $35 sock to the pocket;
What Barclays Frontier Airlines World MasterCard cardholders have to say about it:
Well, when I researched the customer satisfaction rates for the Barclays Frontier Airlines World MasterCard , it was split pretty much down the middle. I should say that there was not a slew of info to compare. I found few real cardholder reviews, and they were about half real positive, and half real negative. They ranged from claiming that the customer service was excellent – to saying that the bonus miles are based on credit, not simply granted when you are approved.
It’s always difficult to catch these credit card companies in the act, but there always seems to be a lot if customer complaints, almost with all of them. Let me tell you why: credit card issuers make loads of cash. They don’t even have to try. Every card out there is raking in loads and loads of transaction fees. They won’t give you a credit card if you have anything less than almost-perfect credit; making it seem like a true honor in our society to have one, or more.
They act like they are doing you a favor to issue one of their cards with your name on it. Then they proceed to abuse you with loads of transaction fees and unreasonable interest charges. They continue getting richer. If you cancel your card, that’s OK because so many others will not. In essence, you are expendable to them – and THAT’S why customer service for these cards is often so lacking in quality. If you would like to read more about this credit card, then surf on over to Barclay’s website here.
Overall, surprisingly, the Barclays Frontier Airlines World MasterCard seems to be one of the better ones out there. Even though the APRs are high, there really no more so than with many other cards. The important thing to remember about that is to make those monthly minimums (at least) and never have to pay interest. All credit cards are designed, issued and maintained for profit generation. They give bonus “rewards” and claim to be doing their members favors. Maybe they are. As it goes, the Barclays Frontier Airlines World MasterCard seems like a solid choice of credit cards to shortlist.