Terms and Conditions
Interest Rates and Interest Charges

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.

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.

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

Frontier World MasterCard with Annual Fee: $59
Frontier World and Platinum MasterCard with No Annual Fee: $0

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: $50, 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 Frontier 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 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 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.BarclaycardUS.com. I agree that Barclays Bank Delaware and Frontier Airlines may share information about me and my account to the extent needed to administer the Frontier Airlines MasterCard in conjunction with the Frontier Airlines EarlyReturns program.

Important Information About Your Frontier Airlines EarlyReturns Mileage Credits

a) When you applied for your Account, we asked whether the Primary Cardmember was a member of the Frontier EarlyReturns Program (the "Program"). If you answered yes and gave us the Primary Cardmember's membership number, we will not issue a different membership number to you. If you answered no or did not give us the membership number, we will issue the Primary Cardmember a membership number and ask Frontier Airlines to enroll the Primary Cardmember in the Program. Only one Program membership will be established regardless of whether your Account is an individual account or an account with an authorized user. If the Account has an authorized user, we will enroll the Primary Cardmember. The Primary Cardmember can be eligible to receive and redeem "mileage credit" subject to the terms and conditions of the Frontier EarlyReturns Rules & Procedures, as established, modified, supplemented and/or amended by Frontier from time to time (the "Program Rules").

b) On the closing date of each billing cycle that your Account remains open and current, we will report to Frontier the Net Purchases charged to your Account during a billing cycle and request that Frontier award mileage credit as set forth in paragraph (e). If your Account is not open and/or current on the date a billing cycle closes, we will report no Net Purchases to Frontier for that billing cycle. We will ask that mileage credit 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, 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. If credits for returned Purchases exceed new Purchases during a billing cycle, we will report negative Net Purchases and ask Frontier to reduce the Primary Cardmember's accrued mileage credit accordingly. Net Purchases does 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 Barclays checks, or by any other means. We reserve the right to exclude from Net Purchases unauthorized Purchases, Purchases which are added to your Account after you are past due or overlimit. We may ask Frontier 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. We are not responsible to award mileage credit under the Program, to a arrange or provide for any services related to travel or the use of mileage credit, for any delay, failure, or refusal by Frontier to award or redeem mileage credit, or for any decision by Frontier to revoke or cancel mileage or membership in the Program.

c) Frontier Airlines is not a party to the agreement between you and us, does not participate in any extension of credit or decision to extend credit under these regulations, and has no authority regarding the Account. Barclays is the sole creditor and owner of the Account. You authorize us to share information about your account with Frontier to the extent needed to administer the program. You agree that we may share Account information as set forth in Barclays' Privacy Policy.

d) We will show on your monthly Account statement the Primary Cardmember's accrued mileage credits as reflected in our records. You understand that there will be a delay between the date you make a Purchase, the date we report Net Purchases to Frontier, and the date that Frontier acts upon the information, and that, for this and other reasons, our records and the records of Frontier regarding the Primary Cardmember's accrued mileage may differ. You understand and agree that mileage credit is not received by the Primary Cardmember until awarded by Frontier, and that, in the event of any discrepancy between our records and Frontier's records of the Primary Cardmember's accrued mileage credits, the records of Frontier will control.

Effective on September 10, 2010, to continue to participate in the rewards program, your account must remain open and in good standing, you must maintain your creditworthiness and you must use your card for at least one (1) purchase transaction every six (6) months (or have some type of account balance every six months).  Failure to meet these requirements may result in account closure and forfeiture of all outstanding points earned.  In addition, if your payment is late in a particular billing cycle, this may result in the forfeiture of points earned in that billing cycle.  If your points are forfeited for any reason, we will not reinstate these points to your account.


e) Miles Accrual

Frontier MasterCard with $59 Annual Fee Primary Cardmembers will earn mileage credits equal to two (2) EarlyReturns Program miles for each one dollar ($1.00) of net purchases of Frontier Airlines tickets, and one (1) mile for each one dollar ($1.00) in all other net purchases  that are charged to the Cardmember's Frontier MasterCard in any statement period.

Frontier MasterCard with No Annual Fee Primary Cardmembers will earn mileage credits equal to one (1) EarlyReturns Program mile for each one dollar ($1.00) of net purchases of Frontier Airlines tickets, and one (1) mile for each two dollars ($2.00) in all other net purchases that are charged to the Cardmember's Frontier MasterCard in any statement period.

Balance Transfer Bonus Miles:

Frontier MasterCard with $59 Annual Fee Primary Cardmembers will earn one (1) mile for every one dollar ($1.00) in balances transferred to a Cardmember's Frontier MasterCard during the first 90 days the account is open up to a maximum of 10,000 miles. Balance Transfer Checks do not qualify for miles. All awards are subject to the account being open and current on the statement closing date.

Frontier MasterCard with No Annual Fee Primary Cardmembers will earn one (1) mile for every one dollar ($1.00) in balances transferred to a Cardmember's Frontier MasterCard during the first 90 days the account is open up to a maximum of 10,000 miles. Balance Transfer Checks do not qualify for miles. All awards are subject to the account being open and current on the statement closing date.

Welcome Bonus:

Frontier MasterCard with $59 Annual Fee Primary Cardmembers:  25,000 bonus miles will be awarded when you use your Account during the first 90 days for purchases that total $500 or greater that are not later returned, disputed, or rescinded.  Bonus miles will be awarded at the close of the Cardmember's billing statement after the qualifying purchase(s) have posted.

Frontier MasterCard with No Annual Fee Primary Cardmembers:  5,000 bonus miles will be awarded when you use your Account during the first 90 days for purchases that total $250 or greater that are not later returned, disputed, or rescinded.  Bonus miles will be awarded at the close of the Cardmember's billing statement after the qualifying purchase(s) have posted.

f) 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 Frontier 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, Frontier MasterCard Cardmembers. You understand and agree that, unless we otherwise state, you are no longer eligible to receive these bonuses and/or awards for any new Frontier 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 Frontier 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.

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