Barclaycard Avios vs Hanseatic Bank GenialCard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Barclaycard Avios wins 3-1. Avios on everyday spend with no monthly fee. 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 Avios | Hanseatic Bank GenialCard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 1% (general) | · 0% (general) |
| Base reward rate | 1% | · 0% |
| Forex markup | = N/A | = No FX fee |
| Welcome bonus | 5,000 Avios after £1,000 spend in three months, for new Barclaycard customers | · 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 | · 4.1/5 | 4.4/5 |
Benefits compared
Barclaycard Avios
- 1 Avios for every £1 spent on eligible purchases
- No monthly fee
- Spend £20,000 in 12 months to choose a British Airways cabin upgrade voucher
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 Avios vs Hanseatic Bank GenialCard: which is better?
Barclaycard Avios wins on more dimensions (3 vs 1). 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 Avios 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 Avios: 5,000 Avios after £1,000 spend in three months, for new Barclaycard customers. Hanseatic Bank GenialCard doesn't list a welcome bonus.