What you get
Earn rewards for banking with us. Earn more rewards when you take out selected products from us and shop online through SmartSpend. And if you’re already using SmartSpend, you’ll earn even more when you join Barclays Blue Rewards.
Just pay £3 each month, keep your account eligible and explore the ways you can get rewarded.
Joining Barclays Blue Rewards is easy
It takes just a few moments to join Barclays Blue Rewards. Just choose a suitable account and meet these conditions each month:
- Pay in at least £800
- Pay out at least 2 Direct Debits
- Paid your £3 monthly fee
Have an account with us and ready to join? You can join if you’re a Premier customer, too.
Don’t bank with us? Explore our current accounts .
How it works
After you’ve joined, you can use Online Banking and your Mobile Banking app to explore offers from us, like residential mortgages and home insurance. You can also browse offers from our SmartSpend partners. Choose the ones you’d like to take up, and watch your rewards and savings grow.
Get rewarded when you bank, shop and travel
Explore the many ways we’ve got for you to earn rewards.
- Browse offers in Online Banking and your Mobile Banking app
- We’ll tell you how each offer works and when you’ll receive your rewards
- Choose the ones you’d like to take up
Find your rewards in your Rewards Wallet
Open Barclays Blue Rewards in Online Banking or your Mobile Banking app and you’ll find your Rewards Wallet – that’s where we’ll pay:
- Your £7 Loyalty Reward every month you’re eligible
- Rewards for taking out selected products from us
- The cashback you’ll earn when you shop online with our SmartSpend partners
Redeem your rewards and watch them grow
- Redeem your rewards into any of your Barclays accounts, any time you like
- See a snapshot of everything you’ve earned and saved on your rewards homepage
- Watch your rewards and savings grow – the more you take up, the better it gets
Membership of Barclays Blue RewardsJoining and eligibilityWhen you join we'll ask you to choose a suitable current account for Barclays Blue Rewards. Most of our accounts are suitable, including Premier. The only accounts you can't join with are: Cash Card, Young Person's, BarclayPlus, foreign currency accounts, Wealth and Business. If you have a joint account, only 1 holder can use that account to join. Other account holders can use a separate, suitable account to join if they have one.We'll check your chosen account on the first working day of each month to make sure that you did the following in the previous month:
- Paid in at least £800 (conditions apply) – you can read the terms and conditions by selecting 'View my rewards details' on your rewards homepage
- Paid out at least 2 Direct Debits
- Paid the £3 monthly fee
Monthly fee and Loyalty RewardWe'll take the £3 monthly fee from your chosen account on the first day of each month (or if that's a weekend or bank holiday, the next working day). The fee will show in your statement as 'Blue Rewards fee'.We'll pay your Loyalty Reward into your Rewards Wallet on the same day, as long as you do the 3 things above in the previous calendar month.Rewards you receive for being part of Barclays Blue Rewards may be subject to income tax and you may need to declare them to HM Revenue & Customs.If your chosen account doesn't meet the monthly eligibility checkWe'll check your chosen account at the end of each calendar month, and let you know if you haven't met the criteria. We'll send you an email at the beginning of the month to confirm that you didn't meet the criteria, and let you know what you need to do next.If you continue to not meet the criteria we'll close your Rewards Wallet – and you'll stop earning rewards. If we close your Rewards Wallet, we'll transfer any rewards you may have earned into your chosen current account, and stop taking the monthly fee. We'll add any pending SmartSpend cashback into your chosen current account at the lower rate.If you want to leave Barclays Blue RewardsJust let us know using Online Banking or your mobile banking app.We'll add your available rewards balance into your chosen current account. Any pending SmartSpend cashback will be paid at the lower rate into your chosen current account (eg travel that you have booked but not yet taken).
Offers within Barclays Blue RewardsThe products you can earn Loyalty Rewards onYou can get the Mortgage Loyalty Reward if you have or take out a residential mortgage with us. It’s not available on our buy-to-let mortgages.You’re only eligible for the Mortgage Loyalty Reward on one residential mortgage at any one time.To get the Home Insurance Loyalty Reward, you’ll need to take out or renew your personal buildings, contents, combined covers or Finer home insurance with us after you’ve joined Barclays Blue Rewards. It’s not available for any of our Student Possessions, Starter Contents, Home Emergency, Legal Services, Gadget, Bike, Sports Equipment, Personal Items and Student Contents cover. Your rights under your insurance policy won't be affected by being a Barclays Blue Rewards Customer.You’re only eligible for the Home Insurance Loyalty Reward on one policy at any one time.If you already have a home insurance policy from us, you won’t be eligible for these rewards until you renew or take out a new policy with us.When and how you’ll receive your rewardsRewards for Barclays productsWe’ll add your Mortgage Loyalty Reward and Home Insurance Loyalty Reward into your Rewards Wallet soon after the first working day of the month. Payments will start on the first working day of the calendar month that follows:
- Joining Barclays Blue Rewards if you have an existing mortgage
- Completion of your new mortgage
- The starting date of your insurance policy
Your Mortgage Loyalty Reward will be paid every month for as long as you have the mortgage. Your Home Insurance Loyalty Reward will be paid every month for as long as you hold the policy. When you renew your policy, rate switch, borrow more, move house or remortgage from another lender please check to see what Loyalty Reward you’ll be eligible for with your new mortgage or home insurance policy.We may need to revise your Mortgage Loyalty Reward in the future to make sure that the reward remains competitive and reflects changes to our costs over the term of your mortgage. We’ll give you 2 months’ notice before making any change and if you do not wish to accept you can cancel your Barclays Blue Rewards without charge in Online Banking or in the Barclays Mobile Banking app.If you leave Barclays Blue Rewards and rejoin at a later date,you'll need to renew or take out new home insurance products from us to qualify for the Home Insurance Loyalty RewardJoint productsWhere a mortgage is in joint names:
Where the home insurance policy is in joint names:
- If you are both members or both become members of Barclays Blue Rewards, the reward will be split 50:50 between you (if there are more than 2 of you, it will be split between the two people who have held their current account with us for the longest period of time)
- If one of you leaves Barclays Blue Rewards then 100% of the reward will be paid to the remaining policy holder from that point onwards
- If only one of you is a member of Barclays Blue Rewards, that person will get 100% of the reward
Extra cashback from our SmartSpend partnersWhenever you are paid cashback from our SmartSpend partners you’ll earn an additional 1% on top of the standard rate of cashback, but if you leave Barclays Blue Rewards, you’ll only get the standard, lower rate of cashback. Details of the level of cashback and the payment terms for each SmartSpend partner are available on the SmartSpend partner pages. We will pay this into your Rewards Wallet as 2 separate transactions. One will be for the standard rate of cashback; the other will be for the additional, higher rate for being a part of Barclays Blue Rewards.
- If you are both members of Barclays Blue Rewards at the point of application, the reward will be split 50-50 between you (if there are more than two of you, it will be split between the two people who have held their current account with us for the longest period of time)
- If one of you leaves Barclays Blue Rewards then 100% of the reward will be paid to the remaining policy holder from that point onwards.
- If only one of you is a member of Barclays Blue Rewards at the point of application, that person will get 100% of the reward
What types of Barclays Blue Rewards can I earn?You’ll be rewarded in 3 ways. As long as your account is eligible, you'll get £7 from us every month to say thank you for banking with us. Secondly, you’ll earn rewards when you take out selected Barclays products, and when you spend money with selected partners. Thirdly, you’ll save money by getting discounts on household bills and shopping. But that’s not all – we’ll bring you more ways to enjoy rewards in future.How do I get my Barclays Blue Rewards?Once you’ve joined, you’ll see a new Barclays Blue Rewards section on your Online Banking homepage and in your Mobile Banking app. From there you can open your Barclays Blue Rewards home page to see the rewards you can redeem. You’ll also see the total amount of rewards you’ve earned and savings you’ve made.You can redeem your rewards into any of your Barclays accounts, whenever you like, in Online Banking or using your Barclays Mobile Banking app.How do I join Barclays Blue Rewards?If you have a suitable current account with us, you can join Barclays Blue Rewards by logging in to your account through Online Banking or the Barclays Mobile Banking app. Then select Barclays Blue Rewards and follow the simple instructions.If you haven’t registered for Online Banking or the Barclays Mobile Banking app, you can find out how to get started with both on our Ways to Bank page.If you don’t have a bank account with us, you’ll need to switch or open a suitable current account, and then register for Online Banking or the Barclays Mobile Banking app. Once you’ve got your log-in details, you can join Barclays Blue Rewards when you log in.What happens if my chosen account doesn’t meet the monthly eligibility check?We’ll check your chosen account at the end of each calendar month, and let you know if you haven’t met the criteria – you’ll receive an email at the beginning of the month to confirm if you didn’t meet the criteria, and we’ll let you know what you need to do next.