Terms and Conditions
Interest Rates and Interest Charges

 

US Airways Premier World MasterCard  

US Airways World & Platinum MasterCard 

Annual Percentage Rate (APR) for Purchases

15.24% or 18.24% when you open your account, based on your credit worthiness.

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

15.24% or 18.24% 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 six billing cycles after the account is opened.

After that, your APR will be 15.24% or 18.24% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

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

After that, your APR will be 15.24% or 18.24% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

21.99%

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

Premier World MasterCard: $89

World & Platinum MasterCard: $49

Transaction Fees:

 

  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $5 or 3% of each transfer, whichever is greater; the maximum fee per transfer: $100, after that no maximum).

  • Cash Advance

Either $10 or 3% 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 US Airways 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).

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. I agree that if I am not approved for a World account that I may be approved for a Platinum account. 

About This Offer: You must be at least 18 years of age. This offer may not be available if you already have or have had a US Airways Visa or MasterCard credit card. 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, or you may receive a Platinum card. Platinum benefits differ from World benefits. Please review the materials provided with your card for details.  

 

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. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. 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 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 your 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.BarclaycardUS.com. I agree that Barclays Bank Delaware and US Airways will share information to the extent needed to administer the US Airways Dividend Miles MasterCard Program in conjunction with the US Airways Dividend Miles Rewards Program. New enrollees in Dividend Miles will automatically be registered to receive e-statements and marketing offers from US Airways, including select partner offers. To modify your communications preferences, log into your account at www.usairways.com or call US Airways at 1-800-428-4322.

US Airways Dividend Miles Reward Program:

1.       Dividend Miles® is a frequent flyer program offered by US Airways (the “Program”) and is not a product or program of Barclays Bank Delaware (“Barclays”). US Airways is solely responsible for establishing the terms and conditions of your participation and subsequent mileage accumulation in the Dividend Miles program. All Dividend Miles terms and conditions apply (the “Program Rules”). US Airways may change the Program and the Program Rules, including its rules and regulations at any time with or without prior notice. Barclays Bank Delaware is solely responsible for all credit and eligibility standards and determination of card issuance.

2.       When you applied for the US Airways Dividend Miles MasterCard Credit Card Account you were asked whether the Primary Cardmember was a member of the Program. If you answered no or did not give us your membership number, Barclays will issue the Primary Cardmember a membership number and ask US Airways to enroll the Primary Cardmember in the Program. Only one Program membership, the Primary Cardmember’s, will be established regardless of whether your Account is an individual account or an account with an authorized user. The Primary Cardmember can be eligible to receive and redeem "Mileage Credit" subject to the terms and conditions of the Program Rules.

3.       The benefits described herein are contingent upon the account remaining open and in good standing, the payment of the Annual Fee and the use of the Account for at least one transaction each year that is not later rescinded or returned.  Failure to pay the Annual Fee or to maintain the account in good standing may result in forfeiture of these benefits.

4.       Miles Accrual:  Cardmembers of the US Airways Dividend Miles MasterCard, will be awarded miles based on Net Purchases made with the Account and for the Net Purchases of US Airways goods and services purchased with the Account directly from US Airways, rounded to the nearest dollar.  Net Purchases of US Airways goods and services includes any eligible fare ticket for flights completed by US Airways, the US Airways Express® carriers, US Airways Shuttle® and US Airways Vacations®, rounded to the nearest dollar (“US Airways Purchases”). Dividend Miles can be redeemed for travel to over 800 destinations worldwide on US Airways' 25 airline partners, including the Star Alliance® network. The 200 destinations that US Airways flies to are included in the 800 destinations. US Airways Purchases that are a component of any cruise or tour package not marketed by US Airways do not earn US Airways mileage purchase bonuses.  US Airways reserves the right to add or remove participating airline partners from this Program with or without prior notice.  The applicable amount of Mileage Credit that will be awarded is based on the credit card that you are approved for.

5.       Bonus Balance Transfer Dividend Miles: US Airways Cardmembers will earn one mile for every one dollar ($1.00) in balances that are transferred to the new Account, in the first 30 days after the new Account is opened, up to a maximum of 10,000 miles.  Balance Transfer Checks do not qualify as balance transfers and are not eligible for bonus miles.

6.       Dining Program:  Your US Airways MasterCard is automatically enrolled upon account-opening in the Dividend Miles Dining program and a welcome kit will be sent to you explaining your restaurant dining opportunities. Miles from Dividend Miles Dining will appear on your Dividend Miles statement.

7.       US Airways Dividend Miles $89 and $49 Annual Fee MasterCard Benefits

5,000 Mile Award Discount: The Primary Cardmember will receive a 5,000 mile discount off of each Eligible Award Ticket provided all “Dividend Miles Select Eligibility Criteria” below are met. By example, if 25,000 Dividend Miles are required to redeem an award ticket, then the Primary Cardholder will only need to redeem 20,000 miles instead.

Dividend Miles Select Eligibility Criteria:  The Primary Cardmember is eligible to receive the 5,000 Mile Award Discount when each of the following conditions have been met: (a) the applicable Account remains open and in good standing; (b) you have made at least one purchase or balance transfer in the last twelve months; (c) you are redeeming miles from the Dividend Miles account linked to your Account; (d) you are using the Primary Cardmember's card to purchase the ticket directly from US Airways; and (e) your award ticket(s) are booked for either a roundtrip or open-jaw itinerary solely on flight segments operated by US Airways and/or US Airways Express ("Eligible Award Tickets"). In the event any portion of the award itinerary is not operated by US Airways/US Airways Express, or is not a valid roundtrip or open-jaw routing, these benefits will not apply for any part of the itinerary and will not be pro rated. If you close your Account or change from an Account with an annual fee to an Account with no-annual fee, you are no longer eligible to receive these benefits. Any benefits on an Eligible Award Ticket purchased prior to such closure or change will not be affected.

Companion Certificate: Each year a Companion Certificate will be sent 6-8 weeks after the time of the account-opening anniversary after the annual fee has been paid (your initial certificate will be provided 6-8 weeks after the Account has been used for at least one purchase and the annual fee has been paid). The certificate is valid for one or two companion tickets (see below for details), valid for round-trip coach class travel within and between the contiguous U.S. and Canada when the primary cardholder purchases a qualifying ticket (minimum fare purchase of $250 required). For the qualifying ticket and the companion tickets(s), all passengers are responsible for the payment  of the additional taxes, fees and charges which are not included in the qualifying ticket minimum fare ($250) or the companion certificates ($99 or $149 as applicable (see below for details)). These additional charges are (per ticket): all taxes and fees including but not limited to passenger facility charges (PFCs), Federal Excise Taxes, Canadian VAT/GST and customs/immigration charges as well as the September 11 Security Fee.  The charges cannot be added to the base fare to qualify for companion certificate use. Other companion certificates restrictions apply including advance purchase requirements and black-out dates and will be provided on the actual certificate.

8.       US Airways Dividend Miles $89 Annual Fee MasterCard Benefits: the following benefits are for the $89 Annual Fee Cardmembers only and do not apply if you receive $49 or less Annual Fee MasterCard credit card account.

Miles Accrual:  Two miles for every one dollar ($1.00) of US Airways Net Purchases made with the Account.  One mile for every one dollar ($1.00) of Net Purchases made with the Account everywhere else.  Miles are earned based on Net Purchase amount for each transaction which are rounded up or down to the nearest whole dollar.

Bonus Dividend Miles:  12,500 bonus miles will be awarded in the first billing cycle in which you have made your purchase or balance transfer (that are not later returned or rescinded) and have paid the Annual Fee on the account (and such fee is not rescinded).  An additional 12,500 bonus miles will be awarded after at least $750 in Net Purchases (that are not later returned or rescinded) has been charged to the new account in the first 90 days after account opening.

Preferred Miles and Award Processing Fee Waiver: When an eligible Cardmember spends $25,000 or greater in new Net Purchases (which are not later credited back or rescinded) (“Purchase Requirement”) within each calendar year, 10,000 of those miles that have been awarded to the Account will be converted from base miles to Preferred miles. Preferred miles will be converted 4 to 8 weeks after the purchase requirement has been met. In addition, beginning 10 business days after the Purchase Requirement has been met and continuing for 12 months thereafter, the US Airways Award Processing Fee will be waived provided the customer meets the Dividend Miles select eligibly requirement (see above for more details). The Award Processing Fee Waiver applies only to the Processing Fees listed below and is not a waiver of (i) any government mandated taxes, fees and surcharges, (ii) any other regulatory agency fees and (iii) any other US Airways fees including quick ticketing fees, paper ticketing fees, change/redeposit fees and non-refundable service fees for tickets that are not booked on-line. The Award Processing Fees waived are as follows: for domestic tickets: $25 per ticket, for tickets to Mexico / Caribbean: $35 per ticket; for tickets to Hawaii/international destinations: $50 per ticket.

First Class check-in and Zone 2 Boarding (for World Elite & Premier World Cardmembers only): Premier World Cardmembers are invited to check-in at the US Airways Preferred or First Class counter when checking-in for their flight.  The Primary Cardholder is invited to board the aircraft early as part of Zone 2 provided their Dividend Miles number is part of their reservation.  First Class check-in and Zone 2 boarding are only available on US Airways operated and marketed flights.  First Class check-in and Zone 2 boarding benefits are for World Elite and Premier World Cardmembers only and do not apply if you receive a World or Platinum MasterCard.

Companion Certificate: At account opening and each year thereafter, a Companion Certificate valid for two $99 companion tickets will be sent to you.  See above for more details.

US Airways Club: The complimentary US Airways Club® pass, valid for a one-time visit at any domestic US Airways-operated Club, expires one year from date of issue. The $75 discount toward a new annual Club membership cannot be combined with any other discounts. Your first Club day pass and $75 discount will be will be sent to you 6 to 8 weeks after you have made your first purchase or balance transfer and have paid the annual fee on the account (if applicable),and such fee is not rescinded.  Thereafter, your annual Club one-time visit pass will be sent to you 6 to 8 weeks after your account-opening anniversary. (See above Companion Certificate.)

9.       US Airways Dividend Miles $49 Annual Fee MasterCard

Miles Accrual:  One mile for every one dollar ($1.00) of Net Purchases (including US Airways Net Purchases) made with the Account.  Miles are earned based on Net Purchase amount for each transaction which are rounded up or down to the nearest whole dollar.

Bonus Dividend Miles:  5,000 bonus miles will be awarded in the first billing cycle in which you have made your purchase or balance transfer (that are not later returned or rescinded) and have paid the Annual Fee on the account (and such fee is not rescinded).  An additional 5,000 bonus miles will be awarded after at least $750 in Net Purchases (that are not later returned or rescinded) has been charged to the new account in the first 90 days after account opening.

Companion Certificate: At account opening and each year thereafter, a Companion Certificate valid for one $149 companion ticket will be sent to you.  See above for more details.

10.   On the closing date of each billing cycle that your Account remains open and in good standing, Barclays will report to US Airways the Net Purchases charged to the Account during a billing cycle and request that US Airways award Mileage Credit as set forth below. If your Account is not open and/or current on the date a billing cycle closes, we will report no Net Purchases to US Airways for that billing cycle. Mileage Credit will be awarded to the Primary Cardmember, regardless of who made the purchase. "Net Purchases" for a billing cycle are determined by totaling all new Purchases added to the Account during the billing cycle, and then subtracting credits posted to the Account during the period for returned Purchases and/or adjustments. For purposes of reporting Net Purchases, we may round up or down to whole dollar amounts. Points earned are based on the Net Purchase amount for each transaction which are rounded up or down to the nearest whole dollar. If credits for returned Purchases exceed new Purchases during a billing cycle, we will report negative Net Purchases and ask US Airways to reduce the Primary Cardmember's accrued Mileage Credit accordingly. Mileage accumulation is subject to certain limitations, exclusions and restrictions. There is no limit to the number of Dividend Miles which may be earned. Net Purchases do not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances or non-qualifying Balance Transfers, whether received from financial institutions, automated teller machines, by use of checks on the Account, or by any other means. We reserve the right to exclude from Net Purchases unauthorized Purchases and Purchases which are added to your Account after you are past due or over your credit line. We may ask US Airways to withdraw Mileage Credit previously awarded if your Account is more than sixty (60) days past due, or if the Mileage Credit was awarded on Purchases not authorized by you. Barclays is not responsible to award Mileage Credit under the Program, to arrange or provide for any services related to travel or the use of mileage credit, for any delay, failure, or refusal by US Airways to award or redeem mileage credit, or for any decision by US Airways to revoke or cancel mileage or membership in the Program.

11.   Each month the Barclays’ credit card statement will reflect the Primary Cardmember's accrued Mileage Credit for that billing cycle. There will be a delay between the date that a Purchase is made, the date Barclays reports the Net Purchases to US Airways, and the date that US Airways acts upon the information, and that, for this and other reasons, the Barclays’ records and the records of US Airways regarding the Primary Cardmember's accrued mileage may differ. Mileage Credit is not received by the Primary Cardmember until awarded by US Airways, and that, in the event of any discrepancy between the records of the Primary Cardmember's accrued mileage credits, the records of US Airways will control.

12.   From time to time, we may offer bonuses or awards of mileage credit or other premiums (for example, First Use Miles, First Use Certificates, and Promotional Companion Tickets) to new US Airways MasterCard Cardmembers. Unless otherwise stated in the offer, these bonuses and /or awards are intended for persons who are not, and have not previously been, US Airways MasterCard Cardmembers. You understand and agree that, unless we otherwise state, once you become a Cardmember you are no longer eligible to receive these bonuses and/or awards for any new US Airways MasterCard account you open after this Account is opened. If you receive a bonus or award for which you are not eligible, we may direct US Airways to revoke the bonus or award, or reduce your mileage credit by the amount of the award, or charge your account for the fair value of the bonus or award, at our option.

13.   US Airways is not a party to the Cardmember Agreement between Barclays and the customer, does not participate in any extension of credit, has not authority regarding the Account and is not responsible for any goods or services offered by Barclays.  Barclays is not responsible for any goods or services offered by US Airways.  You authorize Barclays to share information about your account with US Airways to the extent needed to administer the US Airways Dividend Miles Reward Program. You also agree that Barclays may share Account information as set forth in Barclays Bank Delaware's Privacy Policy.

 

©2012 Barclays Bank Delaware

 

 

 

 

 

 

Member FDIC  Equal Housing Lender