How to apply Capital Vacations World Mastercard

We know. Every person around the globe has their own reasons to choose a credit card, but if you are a travel lover, you are most likely looking for ways to experience all the perks of travelling around and still making economic financial choices while being able to find some benefits and rewards that may help you during your next trip. And if travelling is a passion of yours, the Capital Vacations World Mastercard is one of the cards you should consider.

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Issued by Barclays and with a $0 annual fee, this card provides different kinds of bonus rewards that may be spent in distinct ways. With no foreign transaction fees, it is also ideal for those who frequently travel abroad or even for the people who simply enjoy doing international purchases here and there. That being said, let’s take a good look and find out if this is the right option for you.

Getting to know the world is advantageous enough, but what if you could do it while still getting rewards from your credit card? Travel lovers, this may be the credit card you are looking for

What are the benefits provided by this card?

The Capital Vacations World Mastercard provides different sorts of benefits for the clients that are normally people with a high interest in travelling and exploring places. Here is a list of the main advantages you can get while making use of it:

• Rewards are certainly a thing in this card. Earn 5 points per $1 spent on eligible purchases Capital Vacations, 2 points per $1 spent on eligible RCI transactions, and travel-related products, and 1 point per $1 on all other eligible purchases;
• Get 5,000 bonus rewards after your first purchase as a welcome offer;
• Besides a $0 annual fee, get a 0% introductory APR for the time period of 15 months, for each balance transfer made within 45 days of account opening;
• Redeem your rewards for cash back, travel, gift cards, statement credits, charitable donations or merchandise;
• Get 5% of your rewards back every time you redeem, which is a bonus to use toward your next redemption;
• Feel safe and protected with a $0 fraud liability protection, meaning that if you ever receive any unauthorized charges, you won’t be responsible for it, after reporting to the bank.

These are just some of the main features of the credit card, and we always recommend that you take a good look at the terms and conditions before applying for it, in order to see if this is really the best deal for you.

What are the requirements for me to get this card?

Despite the fact that the card’s website does not disclose any specific information about the requirements for this product, general requirements are usually quite basic and similar for every financial institution:

• You must have at least 18 years old to apply;
• Have a good credit score, which is generally required for approval;
• Prove your income to guarantee you will be able to make your monthly payments;
• Have a valid mailing address in the country;
• Have a Social Security Number (SSN) for identity verification.

What are the pros and cons of this card?

Like any other credit card available in the market, the Capital Vacations World Mastercard certainly has its pros and cons. In this section you will get to know some of them and be able to compare if its benefits outweigh its disadvantages or if they aren’t exactly what you are looking for.

Pros

• As we have already mentioned earlier in this article,this card has no annual fee, which represents a way of spending less while using it. Besides that, there is also no foreign transaction fees, so you can use your card internationally without having to pay extra charges;
• After spending $10,000 in net purchases each calendar year, you can get a 3-night resort stay certificate, which can also be a beneficial point for travel lovers;
• Receive rewarding points for different types of purchases;
• Benefit from a 0% introductory APR for 15 months;
• $0 Fraud Liability Protection;

Cons

• After the introductory APR period, a variable APR of 19.99% to 29.99% applies, which can be considered a high rate. The value will be based on factors such as creditworthiness and others;
• In addition to APR for purchases and withdrawals of up to 29.99%, for purchases an introductory promotion is applied for the first six billing cycles;
• In the case of balance transfer fees, either $5 or 5% of the amount of each transfer (whichever is greater) applies;
• About cash advance transfer fees, either $10 or 5% of the amount of each (whichever is greater) applies.

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Fees and charges

As previously mentioned, there is no annual fee for this card, however, you may consider the APR quite high 19.99% to 29.99%. That being said, we strongly suggest that you make sure you do a complete research before choosing the ideal credit card for you, as there may be other options out there with different offerings that can be beneficial to you.

Besides what you already know by now, other numbers that may be important to you are related to the penalty fees. The late payment amount is up to $40, though it varies by state, and the returned payment also has the same rule. Once again we suggest that you read terms and conditions to learn more.

About the financial institution

With a history that starts centuries behind, Barclays was founded in London, UK, and holds a solid name in the financial market. In the U.S, the bank started its activities in the 20th century, with a bank in New York, but it was during the 1980’s that its presence became bigger, as the institution acquired the Bank of California, which was later sold. At the moment, the bank works in different segments, going from credit cards to personal loans, and functioning in a hybrid way, as you can access it both traditionally and online.

Who is the audience for this card?

The Capital Vacations World Mastercard may be most suitable for travel lovers who are seeking ways to travel around, but still want a traditional and safe card option to explore the world with confidence, and while getting rewards. If you are one of those who are frequently travelers, you should consider this card as an option.

How can I apply for this card?

Visit the card’s official webpage and read all the information available;

• Click on the “Apply Now” button located on the top of the page;
• Complete the application form with your personal information;
• Review all the information provided before applying;
• Are you sure everything is correct? Then now you can apply;
• Wait for the approval notification by mail.

How can I unlock my card?

There are different ways to do so:

• You can do it on the official website, where you will provide the required information, adding your card number, the security code, the last digits of your SSN and other information the bank may ask to guarantee it is really you. After that, you can simply click on the “Activate” button;
• You can also do it by using the App, which is available for both iOS and Android;

Another possibility is to do the activation by phone: dial 1-877-408-8866 to reach the automated activation system.

Customer Service

If you need any assistance, you can also contact Barclays Customer Service at 1-866-928-8598. To get to know more information, visit their website and social media.

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Conclusion

If you came this far you are most likely truly interested about the Capital Vacations World Mastercard. We hope our article has helped you come with a decision about your application. Good luck!