Terms and Conditions

The Travelocity Rewards American Express ® Card is issued and administered by Barclays Bank Delaware

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

14.99%21.99% or 24.99% when you open your account, based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% introductory APR for the first fifteen billing cycles after the account is opened.

After that, your APR will be 14.99%,  21.99% or 24.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

25.24%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 30.24%, based on your creditworthiness.

This APR may be applied to your account if you make a late payment.

This APR will vary with the market based on the Prime Rate.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00 ($0.50 for residents of Iowa at time of account opening).

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 


 

Fees

Annual Fee

$39  For The Annual Fee Travelocity Rewards American Express® Card
$0 For the No Annual Fee Travelocity Rewards American Express® Card

Transaction Fees:

 

  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first fifteen billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).

  • Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

  • Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:

 

  • Late Payment

Up to $35 (the amount of the fee varies by state, see below) 

  • Over-the-Credit-Line

$0

  • Returned Payment

Up to $35 (the amount of the fee varies by state, see below) 


How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”. If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”.

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.


Terms and Conditions Continued:

Important Information about the Travelocity Rewards Credit Card Program: Offers may vary. Please carefully review the reward benefits (such as bonus miles/points and how miles/points are earned), interest rates and account fees and terms of this particular offer before applying.

Fees that Vary by State:
Late Payment Fee:
  Up to $35 (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 (Up to $15 for residents of Iowa at time of account opening).

Foreign Transaction” means the use of your Card or Account (other than a Cash Advance) for a transaction with a business or entity located outside of the United States or for a transaction in a currency other than U.S. dollars. Foreign Transactions and the Transaction Fees associated with any Foreign Transaction are considered Purchases for interest calculation purposes.

Foreign Currency Conversion:
Transactions made in foreign currencies will be converted into U.S. Dollars. Unless a particular exchange rate is mandated by applicable law, the rates to make conversion from transaction in foreign currencies to U.S. Dollars shall be based on wholesale interbank rates selected by American Express on the business day prior to the day on which transactions are processed by American Express, which rates may differ from the rates in effect on the transaction date. Charges converted by third parties will be charged at their rates.

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.

About This Offer: You must be at least 18 years of age. This offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories,  and may not be available if you already have or have had an account with us. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may be unable to open an account for you.

 

About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. American Express is a registered trademark of American Express and is used by us pursuant to a license.

Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.

About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.

How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 01/30/2014 using a Prime Rate of 3.25%.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for your country of citizenship.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.

Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays Bank Delaware and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges may apply.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15/16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. If the total amount you request exceeds the assigned credit line on your new account, we may either decline the request or send a partial payment to your creditor(s).  The amount of available credit on your new account will be reduced by the amount transferred and the related balance transfer fees.  We reserve the right to decline to process any requested balance transfer.  We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights.  Upon approval of your application we will process the requested balance transfer payment to the account(s) which you have requested on the 10th day after we’ve mailed you your card; during this 10 day time period you may cancel your balance transfer by contacting us at the number on the back of your card.

A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved. Balance transfers are subject to availability. We may deny balance transfer requests at any time and for any reason.

Paying Interest on Balance Transfers and Cash Advances: 
We charge interest on balance transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge you interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues.

Cash Equivalent Purchases: The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see the Cardmember Agreement that will accompany your credit card upon account opening for more details.

The information contained in these disclosures is accurate as of 01/30/2014 and may change after this date.

Information Sharing:

Barclays' Privacy Policy is available online at www.mytravelocityrewards.com. I agree that Barclays Bank Delaware and Travelocity may share information about me and my account to the extent needed to administer the Reward Program.

 

REWARD RULES

Travelocity Rewards Program:

The Travelocity Rewards Program (the “Program”) is offered by Barclays Bank Delaware (“Barclays”) in partnership withTravelocity.com, to active Travelocity Rewards American Express®
 Cardmembers in good standing. Barclays and Travelocity are solely responsible for establishing the terms and conditions of your participation and subsequent points accumulation in the program, and reserves the right to modify, amend or terminate the Program regulations at any time. 

Upon application approval, you will be issued a Travelocity Rewards American Express® Card credit card account (the “Account”). To be eligible to participate in the Program you must keep your Account open and in good standing, you must be a consumer (no businesses, corporations etc. are eligible to participate) and you must reside in the United States. 

If you do not keep your Account open and current, your enrollment in the Program may be cancelled and any unredeemed Points may be cancelled. 

Earning Points
 No annual fee Travelocity Rewards American Express® Card - Cardmembers earn “Points” in the following amounts based upon the types of purchase transactions charged to the Account:
a) 3 points per $1 of Net Purchases made with your Account on Flights, Good Buy & Top Secret Hotels, Flight and Hotel Packages, Car Rentals, Last Minute Deals and Activities on 
Travelocity.com
b) 1 point per $1 of Net Purchases made with your Account on all other transactions. 

$39 annual fee Travelocity Rewards American Express® Card - Cardmembers earn “Points” in the following amounts based upon the types of purchase transactions charged to the Account:
a) 5 points per $1 of Net Purchases made with your Account on on Flights, Good Buy & Top Secret Hotels, Flight and Hotel Packages, Car Rentals, Last Minute Deals and Activities on 
Travelocity.com
b) 2 points per $1 of Net Purchases made with your Account in the everyday spend category of the Choose Your Own Rewards option (see below).
c) 1 point per $1 spent on all other transactions.
 

Points earned are based on the new net retail transaction activity (i.e. purchases less credits, returns and adjustments) charged to the Card during each periodic billing cycle rounded to the nearest dollar. Certain transactions do not qualify for points including balance transfers, convenience checks, cash advance fees, finance charges and other transaction charges. Eligible purchases may be made by the Cardmember(s) and/or any authorized user(s) of the Card. The Account may only be used for personal, family or household purposes. 

Points will be itemized on the Cardmember’s periodic statement and will indicate the total number of points earned, points

redeemed and points carried over during the statement month. Points expire after 48 months of inactivity, unless your Account is terminated earlier whether by you or by us. 

Points Redemption:

Cardmembers may redeem Travelocity Points for the following Account statement credits when they purchase travel, services, and products on Travelocity.com:

Redeem 5,000 Travelocity Points for a $50.00 statement credit, or
Redeem 7,500 Travelocity Points for a $75.00 statement credit, or
Redeem 20,000 Travelocity Points for the cost of an airline ticket or Flight + Hotel Package up to a maximum credit of $400.00. 

Statement credits will be reported on your monthly Account statement for the billing cycle in which your Travelocity purchase is posted. All award redemptions will be final at the time you make your Travelocity purchase or booking and request to redeem Reward points. In the event that your Travelocity travel or purchase is cancelled, postponed, or returned, neither Barclays or Travelocity.com will be responsible for refunding to your account the points redeemed or debiting to your account the credit redeemed. Barclays and Travelocity.com are not responsible for unauthorized Reward redemptions on your account.

 If your account is 60 or more days past due at any time, Barclays may at its option assess your Account for any statement credits previously awarded on your Account.

First Use Bonus Award:

No annual fee Travelocity Rewards American Express® Card - Cardmembers will receive 5,000 Bonus Points on their Account  if a purchase or balance transfer posts to their Account (provided the transaction is not later rescinded or returned) within the first 30 days after the Account is opened. The points will appear at the close of the first billing statement in which the purchase posted. 

$39 annual fee Travelocity Rewards American Express® Card - Cardmembers who pay the annual fee, will receive 7,500 Bonus Points on their Account  if a purchase or balance transfer posts to their Account (provided the transaction is not later rescinded or returned) within the first 30 days after the Account is opened. The points will appear at the close of the first billing statement in which the purchase posted.  

First Use bonus Awards are limited to new Cardmembers only. 

Balance Transfer Bonus Points:

No annual fee Travelocity Rewards American Express®
 Card
 - Cardmembers will earn one point per $1 in balances transferred to their Travelocity Rewards American Express® Card in the first 30 days after the Account is opened, up to a maximum of 5,000 points.

$39 annual fee Travelocity Rewards American Express® Card
 - Cardmembers will earn one point per $1 in balances transferred to their Travelocity Rewards American Express® Card in the first 30 days after the Account is opened, up to a maximum of 5,000 points.

Choose Your Own Rewards:
Cardmembers with the $39 annual fee Travelocity Rewards American Express® Card will be eligible to earn 2 points for every $1 spent on one of three categories that is selected by the Cardmember at the time of application. The “Choose Your Own Rewards” categories include transactions that post to the account under the categories of (1) groceries (2) gas or (3) restaurants. Eligible categories include: (1) “grocery”-purchases made at retail establishments that classify their merchant location to American Express® as “Grocery Stores, Supermarkets, Wholesale Clubs, Miscellaneous General Merchandise Stores, Freezer And Locker Meat Provisioners, Candy, Nut Confectionery Stores, Dairy Products Stores, Bakeries, Misc Food Stores - Speciality, Convenience, Market”; (2)”gas”- purchases made at retail establishments that classify their merchant location to American Express® as “Gas” – Service Stations, Automated Fuel Dispensers, Warehouse Club Gas and Truck Stop Transactions; (3) “restaurant”- purchases made at retail establishments that classify their merchant location to American Express® as “Caterers, Eating Places, Restaurants, Drinking Places (Alcoholic Beverages) - Bars, Taverns and Fast Food Restaurants. Certain purchase transactions including mail, catalog, internet and telephone purchases will not qualify as these transactions as they may be classified differently by the merchant. Barclays, American Express® and Travelocity.com are not responsible for misclassification of merchant locations. The

“Choose Your Own Rewards” category that is selected by the cardmember at the time of application may be changed on the anniversary of account opening by contacting Barclays customer care at 1-866-951-1440. 

©2013 Barclays Bank Delaware

 

 

Member FDIC  Equal Housing Lender