Barclays
Carnival Rewards Mastercard
Estimated value every year on typical spending
$336/ year
Every year, after the annual fee. Year one adds a $160 welcome bonus: $496
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Barclays Carnival Rewards Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $336 a year on typical spending. The welcome bonus adds roughly $160 in the first year.
The fine print
- Intro APR
- 0% for the first 6 billing cycles
- Regular APR
- 18.74% to 29.74% variable
- Foreign fee
- None
- Rewards paid as
- Points · ~0.8¢ each
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 6x points on Carnival purchases
- 2x points at eligible restaurants and grocery stores
- 1x points on all other purchases
Sign-up bonus
20,000 points after spending $1,000 on purchases in the first 90 days.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 6 billing cycles
- Regular APR
- 18.74% to 29.74% variable
- Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
- $500/mo on groceries earns about $96/year (1.6x).
- $1200/mo on everyday spending earns about $115/year (0.8x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Carnival Rewards Mastercard: questions people ask
Is the Barclays Carnival Rewards Mastercard worth it?
With no annual fee, the Barclays Carnival Rewards Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $336 a year on typical spending. The welcome bonus adds roughly $160 in the first year.
What is the Barclays Carnival Rewards Mastercard annual fee?
The Barclays Carnival Rewards Mastercard has no annual fee ($0).
What is the Barclays Carnival Rewards Mastercard welcome bonus?
Earn 20,000 points after spending $1,000 on purchases in the first 90 days. We value it at about $160. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Barclays Carnival Rewards Mastercard earn?
6x points on Carnival purchases. 2x points at eligible restaurants and grocery stores. 1x points on all other purchases.
What credit score do you need for the Barclays Carnival Rewards Mastercard?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Barclays Carnival Rewards Mastercard charge foreign transaction fees?
No. The Barclays Carnival Rewards Mastercard has no foreign transaction fee.
Does the Barclays Carnival Rewards Mastercard have a 0% intro APR?
0% for the first 6 billing cycles. After that the regular APR is 18.74% to 29.74% variable.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.