Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
5x
Dining
3x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseFrontier5×
- Dining3×
- Everything elseAll Purchases1×
Welcome offer
60,000 points
- Est. value: $600 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Earn a Flight Voucher$100/yr
Earn a $100 Frontier Airlines flight voucher after spending $2,500 during your cardmembership year (each 12-month period through and including your Card Account anniversary date). The flight voucher expires 180 days from date of issue.
- Flight Voucher
Expires 180 days from date of issue. The flight voucher will be delivered via email to the primary cardmember’s email address on file with Barclays and will also be available by logging into the primary cardmember’s online Card Account at BarclaysUS.com.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.