Landing the right co-branded card starts with knowing how to apply for a Barclays Credit Card and what you get in return.
If you vacation with Capital Vacations or want a $0 annual fee travel card, the Capital Vacations® World Mastercard® is a practical option. It pairs everyday earning with partner-specific perks.
Below, you’ll find features, comparisons, eligibility, application steps, and support details you can use today.
What the Capital Vacations® World Mastercard® Offers
Before you apply, it helps to understand the product’s core value. The Capital Vacations® World Mastercard® is issued by Barclays Bank Delaware with a $0 annual fee and promotional balance-transfer terms for new cardholders.
For frequent Capital Vacations guests, elevated partner earnings and redemptions can offset trip costs—travel-friendly fees and digital servicing round out a card designed for simple, ongoing use.
Rewards and Everyday Earnings
Co-branded cards are built for partner loyalty, and this one is no exception.
Public partner materials highlight accelerated earning on Capital Vacations purchases, elevated earning on travel, and base earning on everyday spend, redeemable through Barclays’ redemption platform.
If you regularly book stays or make on-property purchases, stacking rewards against a $0 annual fee can be compelling for budget-minded travelers seeking repeat value.
APR, Fees, and Key Charges
The card advertises a 0% introductory APR on balance transfers made within 45 days of account opening for the first 15 billing cycles, then a variable APR applies.
The balance transfer fee is $5 or 5% of each transfer, whichever is greater. The variable purchase APR typically ranges in the high-teens to upper-twenties, and cash advances carry a higher APR plus a $10 or 5% fee.
Travel Protections and Everyday Perks
Program descriptions emphasize a $0 annual fee and marketing notes around no foreign transaction fees for international use, which can matter if you book or travel abroad.
Standard Mastercard benefits, $0 liability for unauthorized purchases, and digital account tools help with security and convenience.
Always confirm fee schedules in the latest cardmember agreement before applying to make sure the terms match your needs.
How It Compares to Other Barclays Cards
Choosing a card is easier when you see where it fits. Barclays issues multiple no-annual-fee products and airline co-brands with differing earn structures and intro APR windows.
If you do not stay with Capital Vacations, a general Barclays rewards card or an airline card might deliver better category coverage.
If you are a frequent guest, the partner acceleration can be the difference in net value.
Versus A General Rewards Card
Barclays’ own general rewards cards often offer flat-rate or category multipliers on restaurants, streaming, or digital services.
Those cards can be stronger for everyday spending if you want flexible points across broad categories.
The Capital Vacations card, by contrast, focuses its richest earnings on partner travel, which is ideal when most of your spending or redemptions occur inside that ecosystem.
Versus Airline Co-Brands
Airline cards like JetBlue can bundle free checked bags, in-flight savings, or fast-track earning on tickets, sometimes with an annual fee. If you fly a specific carrier often, airline benefits may outweigh a resort-centric earn model.
If your priority is resort stays and you want to avoid an annual fee, the Capital Vacations card’s $0 annual fee and partner earn levels may be a cleaner fit.
Value Snapshot for Travelers
A fair comparison weighs your real spending. If partner spending is frequent, the co-brand’s multipliers and redemptions can beat general cash-back rates.
If your purchases are mixed, a broader category card may return more. Because annual fee, intro APR length, and partner perks differ, evaluate expected rewards net of fees and interest, and consider whether you’ll use the travel-centric redemption pathways.
Eligibility and Application Requirements
Barclays underwrites using creditworthiness, income, and identity checks. You’ll typically need a U.S. address, Social Security number or ITIN, and sufficient income to support the line you’re requesting.
Responsible credit history and moderate-to-strong FICO scores generally improve approval odds and pricing.
Prequalification tools may offer a soft-inquiry preview, but approvals and final APRs always depend on a full review.
Credit, Income, and Identity
Prepare recent income information and ensure your credit reports are accurate before applying. Lenders verify identity to prevent fraud and gauge repayment ability using stated and modeled income, debt obligations, and history.
If you’re rebuilding credit, time on file, on-time payments, and lower utilization improve the picture. Misstated details can delay or derail a decision, so enter data exactly as it appears on documents.
Residency and Age Requirements
Applicants should be of legal age in their state and maintain a verifiable U.S. mailing address. Because product terms can vary, read the current application disclosures for any geographic limitations or special conditions.
Military applicants may have protections and rate caps under federal law that influence how certain fees or APRs apply, depending on status and timing. Keep copies of disclosures for reference after submission.
Prequalification and Final Decision
Barclays periodically offers a prequalification experience that uses a soft inquiry and shows potential offers without affecting scores. Prequalification is not a guarantee; the full application triggers a hard inquiry and underwriting.
If approved, your credit line, APR, and promotional terms will be based on creditworthiness at account opening. If denied, an adverse action notice explains key factors that affected the decision.
Step-by-Step: How to Apply and What Happens Next
With documents ready, submit an online application and review the Truth-in-Lending disclosures closely.
If you plan to transfer balances, remember the promotional 0% APR applies only to transfers made within 45 days of opening, and each transfer incurs a fee.
After approval, enroll in online account access, set alerts, and add the card to digital wallets for safer, faster checkout in stores and apps.
Online Application Walkthrough
Start the application, complete personal and financial fields, and consent to electronic disclosures.
Carefully read the pricing terms section that lists variable APR ranges for purchases, balance transfers, and cash advances, plus any penalty APR provisions.
Provide accurate income and housing details to help underwriters assess repayment capacity. Submit and save the confirmation page, then monitor your email for status updates and next steps.
Balance Transfer Timing and Fees
If consolidating debt, initiate transfers promptly so they post within the 45-day promotional window. Factor the transfer fee into your savings calculation, and keep making payments on your old accounts until the transfer clears.
Track promotional end dates to avoid interest surprises, and set payment reminders to ensure you never miss a due date during the intro period.
After You’re Approved
When the card arrives, activate it and enable account alerts to track purchases and due dates. Review the card benefits guide for travel protections and fraud liability information, and check whether foreign transaction fees apply to your account.
If traveling soon, add your card to a mobile wallet and notify the issuer to reduce declines from unusual activity. Keep the cardmember agreement handy for reference.
Customer Support, Phone Numbers, and Mailing Addresses
For general inquiries about your credit card, call 877-523-0478. To activate a new card, dial 877-408-8866, and if you are outside the United States, you can call collect at 302-255-8888.
Keep your account information accessible when calling to verify identity quickly, and avoid sharing details through email or unsecured channels to reduce fraud risk.
Correspondence, Payments, and Physical Offices
Barclays lists Card Services, P.O. Box 8746, Wilmington, DE 19899-8746 for certain correspondence, and additional payment or mail addresses may appear on your statement.
A listed physical operations address is 400 White Clay Center Drive, Newark, DE 19711, used for internal functions rather than public service. Always rely on the address printed on your statement for payments and mail to ensure timely posting.
Conclusion
If you’re ready to move forward, gather your information, review today’s disclosures, and apply online with confidence. With a clear plan, your new card can start delivering value on your very next trip.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
