Barclaycard Rewards vs Hanseatic Bank GenialCard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Barclaycard Rewards wins 2-0. Spending abroad from the UK with no foreign transaction fees. Hanseatic Bank GenialCard is still the right call if paying abroad from germany with no annual fee and no foreign currency fee..
Side-by-side
| Criterion | Barclaycard Rewards | Hanseatic Bank GenialCard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 0.25% (general) | · 0% (general) |
| Base reward rate | 0.25% | · 0% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = N/A | = N/A |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = Not verified | = Not verified |
| Min credit score | = N/A | = N/A |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Barclaycard Rewards
- 0.25% cashback on eligible purchases, credited once a year or on request
- No transaction fees when you spend or withdraw cash abroad
Hanseatic Bank GenialCard
- No annual fee, permanently
- No foreign currency fee when paying worldwide
- Cash withdrawals abroad free of bank fees (ATM operators may charge their own)
- No rewards: it is a no-fee travel card, not a points card
FAQ
›Barclaycard Rewards vs Hanseatic Bank GenialCard: which is better?
Barclaycard Rewards wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Barclaycard Rewards for its best categories, Hanseatic Bank GenialCard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Barclaycard Rewards doesn't list a welcome bonus. Hanseatic Bank GenialCard doesn't list a welcome bonus.