Don't sign up for this card, no matter what offer they have to loop you in. I signed up in 2014. Customer service has never once did anything remotely helpful. I used the card, always paying balance in full, for 8 years before finally getting sick of how bad the benefits are compared to other travel cards these days. Here's the thing: they won't let you switch down to the free card tier (something very common for every other credit card company) and won't waive the annual fee, so now I either tank my credit by cancelling or just light my annual fee on fire every year. Customer service is so so frustrating. Save yourself the hassle and ignore any Barclays card.