Carnival Rewards™ Mastercard®
20,000 points after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Earn 20,000 points”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 18.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $370 | $170 |
| Typical spender | $610 | $410 |
| Heavy spender | $1,040 | $840 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 points
After you spend $1,000 on purchases in your first 3 months.
The offer is valid for approved applicants. The bonus may only be earned once, and applicants may not be eligible if they currently have or previously had an account with Barclays in this program.
How you earn · Carnival Rewards
- 6× pointsCarnival purchases; earn 3x points from the card, plus up to 3x points through Carnival Rewards
- 2× pointsEligible restaurants, excluding Target and Walmart
- 2× pointsGrocery stores, excluding Target and Walmart
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 18.74% to 29.74%, based on your creditworthiness and other factors.” |
| Intro APR | Issuer's pagecards.barclaycardus.com “0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com “0% Introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Points can be redeemed for cruises, onboard activities, shore excursions, Carnival merchandise, and more.
- No foreign transaction fees on international purchases.
- Earn 1 Status Qualifying Star per dollar spent on purchases.
- 0% promotional APR for 6 billing cycles from the transaction date on qualifying Carnival Cruise Booking Purchases.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 18.74–29.74% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for 6 billing cycles from the transaction date on all “Qualifying Carnival Cruise Booking Purchases”. cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 points after $1,000 in purchases in 3 months. cards.barclaycardus.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$490 a year
- GM Rewards MastercardBarclays · No annual fee+$490 a year
- CareCredit MastercardSynchrony · No annual fee+$300 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).