Terms and Conditions
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

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

After that, your APR will be 15.99% or 24.99% 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 twelve billing cycles after the account is opened. 

After that, your APR will be 15.99% or 24.99%  based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


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

Penalty APR and When it Applies

Up to 27.24%, 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

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. 



Annual Fee

$79 for the Premier World and Platinum Miles & More MasterCard

Transaction Fees:


  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first twelve 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

0% of each transaction in U.S. dollars.

Penalty Fees:


  • Late Payment

Up to $35  

  • Over-the-Credit-Line


  • Returned Payment

Up to $35  

How We Will Calculate Your Balance: We use a method called "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 Miles and More 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.

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 Iowa, 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 reqeusts 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 Miles & More may share information about me and my account to the extent needed to administer the Miles & More program.

Important Information about the Miles & More MasterCard Reward Program:

(a) On the closing date of each billing cycle that your Account remains open and current, we will report to Miles & More the Net Purchases charged to your Account during a billing cycle and request that Miles & More award mileage credit as set forth in paragraph (d). If your Account is not open and/or current on the date a billing cycle closes, we will report no Net Purchases to Miles & More 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 for each transaction, 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 Miles & More to reduce the Primary Cardmember's accrued mileage credit accordingly.  We may also ask Miles & More 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 arrange or provide for any services related to travel or the use of mileage credit, for any delay, failure, or refusal by Miles & More to award or redeem mileage credit, or for any decision by Miles & More to revoke or cancel mileage or membership in the Program.

(b) Miles & More is not a party to the credit 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 Miles & More to the extent needed to administer the program. You agree that Account information may be shared as set forth in Barclays' Privacy Policy.

(c) 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 Miles & More, and the date that Miles & More acts upon the information, and that, for this and other reasons, our records and the records of Miles & More 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 Miles & More, and that, in the event of any discrepancy between our records and Miles & More records of the Primary Cardmember's accrued mileage credits, the records of Miles & More will control.

(d) Miles are earned on purchases made with your Miles & More MasterCard (the "Account"). The following transactions are excluded from "Purchases" and do not earn miles: Convenience Checks, Balance Transfers, Cash Advances and credit card fees and finance charges. Miles are not earned on returns made on your account.  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.  Your account must remain open and in good standing to receive miles offered under the Program.

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.

Miles Accrual:

Premier World and Platinum Miles & More MasterCard cardmembers will earn two (2) miles for every one dollar ($1.00) of net purchases of tickets directly from Miles & More integrated airline partner ticket purchases, with the Account rounded to the nearest dollar and one (1) mile for every one dollar ($1.00) of net purchases made anywhere else with the Account rounded to the nearest dollar.

Terms and Conditions of the Miles & More Frequent Flyer program apply. For complete terms and conditions, including a complete listing of Miles & More integrated partners, please visit www.miles-and-more.com. Barclays Bank Delaware and Miles & More reserve the right to suspend, change, modify, cancel or terminate the Program, in whole or in part, at any time for any reason.

Welcome Bonus:

Premier World and Platinum Miles & More MasterCard cardmembers will receive 20,000 bonus miles upon the first use of your new Account for a purchase or balance transfer within the first 60 days that the Account is opened.  Cardmembers will receive an additional 30,000 bonus miles after spending $5,000 in purchases within 90 days of account opening.

All Welcome Bonus miles will be credited to your Miles & More account at the close of the first billing statement in which the purchase or balance transfer has posted.  Welcome bonus miles are available to new cardmembers only.

No mileage expiration: all unused miles, which have been awarded to your Miles & More account and those you will earn in the future remain valid for an unlimited period of time and will no longer expire provided that you make a purchase for which miles are awarded at least once a month and have held a Miles & More MasterCard for at least three months. For further information, please visit www.miles-and-more.com/creditcard.

Miles & More Senator and HON Circle Member Status Information: Annual Fee will be waived for Senator and HON Circle Members, as long as they maintain their Senator or HON Circle Member status.

Companion Ticket: All Miles & More MasterCard cardmembers will receive an Economy Class Companion Ticket upon the first use of your new Account for a purchase or balance transfer and on your account opening anniversary every year you are a cardmember.  Please visit www.lufthansa-usa.com/companion for full Companion Ticket terms and conditions.

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