ZERO starts. DO NOT consider this card. All support is overseas. They do not understand English. We've had hours of time lost trying to ask questions and deal with little things but staff does not understand problems due to the language barrier. God help you if you have a lost card, have problem with a merchant, or want a lower interest rate. They read from a help screen. Supervisors and Managers not only refuse to take calls, but they also do NOT return phone call requests. We pay on time, always, and do so online directly with them. We pay excessively ABOVE minimum payment. We are financially responsible. We have high credit scores. We are not at-risk customers. We signed up for the card just to get the NFL perks which are not worth it at all given the horrific customer service. Our account is now paid off and we went to our bank for a better credit card. Significantly higher credit limit. Significantly lower interest rate. Barclays is NOT for you if you have good credit. The marketing perks simply aren't worth it. Stick with your local bank.