Welcome to the Barclaycard Ring Mastercard®  Secure Application

General Information
All fields are required (unless otherwise noted)
Used to confirm your identity and establish your eligibility for an account. All correspondence will be mailed to the permanent address. No PO Boxes allowed.

This offer is not available for residents of Puerto Rico and U.S. Territories.

This offer is not available for residents of Puerto Rico and U.S. Territories.


Employment and Financial Information
$ .00
Please include all of your sources of income, including income from assets, that you would like considered as a basis of repayment.

Alimony, child support or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation.

Contact information
Used as another method to confirm your identity and keep your information secure. We do not share your phone number with others without your consent.
For product offers, account notifications and correspondence.

Why do we ask for your Country of citizenship? Government regulations require us to know our customers. Obtaining your country of citizenship helps us to meet these requirements.

Why do we ask for your Country of citizenship? Government regulations require us to know our customers. Obtaining your country of citizenship helps us to meet these requirements.
Security Information
Used to help establish your eligibility for an account, and once you become a customer, to verify your identity.
Used to confirm your credit report, which is necessary for all credit applications and for account maintenance. Only valid U.S. social security numbers will be accepted.
Used to help verify your identity when you call us.
Paperless Statements

View your statement online instead of receiving a paper statement by regular mail. Check the boxes below if you wish to enroll in paperless statements.

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Balance Transfers
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Legal Terms & Conditions
Please read the statement below that asks you to agree to legal terms and verify that you've been truthful in filling out the application.

By clicking on APPLY you are applying to open a credit card account issued by Barclays Bank Delaware (Barclays), (hereafter "we") located in Wilmington, Delaware. You agree to the following in connection with this application and any account we open:

Account Agreement Your account will be managed according to a Cardmember Agreement that will be sent to you in our Welcome Kit. The Cardmember Agreement will be governed by Delaware Law. You understand and agree that the terms of your account are subject to change as stated in the Cardmember Agreement.

Credit Reports You agree that we have a right to obtain a credit report in connection with our review of your application and after we establish an account, to administer the account. You agree that we may report to others our credit experience with you. At your request we will provide the name and address of each consumer-reporting agency from which we obtained a report about you.

Dispute Resolution You agree that any dispute between us will be resolved by binding Arbitration. For more information regarding Arbitration please consult the Cardmember Agreement.

Express Delivery If you are approved for an account your card will be sent via next day FedEx delivery after your account is opened if the request is made before 3:00pm EST of that day. If the request is made after 3:00pm EST delivery will be made the following day. Delivery will be made only to your home address and a signature is required. If you added an additional card user(s) on your application the additional card(s) can not be express delivered.

By providing your telephone number, 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, prerecorded messages or text messages. Standard text messaging and/or calling charges may apply.

Information Sharing We do not share information with third parties, other than as required to service your account, without your consent. You have the opportunity to select the manner in which we use and/or share information for marketing of products and services during the account set-up process. If we do not set up an account for you we will not share any information with third parties unless you have agreed to the sharing at the time you applied. For more information about our information handling see our PRIVACY POLICY.

By pressing APPLY I certify that:

  1. I am at least 18 years old and a permanent resident of the United States;
  2. I understand that Barclays may call me in connection with this application and for other matters relating to this account;
  3. I have reviewed and accept the Terms and Conditions that were provided before I applied for each account; and
  4. I have truthfully and completely provided the information on this application.
Terms & Conditions
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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

10.49%

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

APR for Balance Transfers

10.49%

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

APR for Cash Advances

10.49%

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

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 $0.50.

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

$0

Transaction Fees:

 

  • Balance Transfer

$0

  • Cash Advance

$3 for each cash advance

  • Foreign Transaction

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

Penalty Fees:

 

  • Late Payment

Up to $27 (the amount of the fee varies by state, see below) 

  • Returned Payment

Up to $27 (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)".


Terms and Conditions Continued:

Important Information about the Barclaycard Ring 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 $27 (Up to $15 for residents of Iowa at time of account opening)
Returned Payment: Up to $27 (Up to $15 for residents of Iowa at time of account opening)

Agreement: The use of any account opened in connection with this offer will constitute acceptance of and will be subject to the Cardmember Agreement that will be sent to you. The APRs, fees, and other account terms, as well as the benefits and features associated with the account are subject to change to the extent permitted by law.  

++Your Telephone Numbers:  By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize us and our affiliates and agents, to contact you at that number about your account or other products or services, and to use an automated dialing service, pre-recorded message or text message. Standard text messaging and/or calling charges may apply.

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. Please review the materials provided with your card for details.    

About Your Credit Report: You agree that we have a right to obtain a credit report in connection with our review of your application, and if we establish an account for you, to administer your account.  You agree that we may report to others our credit experience with you. If you ask, we will tell the names and addresses of any credit bureaus from which we obtained a report about you. 

About the Variable APRs on Your Account: We use the highest Prime Rate listed in the The Wall Street Journal on the last business day of each month. For the non-promotional purchase and balance transfer APR, we add 5.74% to the Prime Rate. For the cash advance APR, we add 5.74% to the Prime Rate. See your Cardmember Agreement for more detail. The APRs noted above are current as of 05/31/2018 using a Prime Rate of 4.75%.

*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 country of citizenship.

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 from. 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 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 account, 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.

Credit Limit: We do not permit applicants to request a specific credit limit. We do not consider a request for a balance transfer made with an application to be a request for a particular credit limit. We determine the credit limit on your account independent of and prior to processing any balance transfer request.

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 your Cardmember Agreement for details.

New York Residents: New York residents may contact the New York State Department of Financial Services by telephone (800) 342-3736, or visit the website, www.dfs.ny.gov, for free information on comparative credit card rates, fees and grace periods. 

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No marital property agreement, unilateral statement or court decree under Wisconsin's marital property law will adversely affect our interests unless before your account is opened, you give us a copy of the agreement, statement or decree or we have actual knowledge of it.  You understand that we may be required to give notice of this account to your spouse.

About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware (Barclaycard), located in Wilmington, DE. Any 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. 

Express Delivery: If you are approved for an account your card will be sent via next day FedEx delivery after your account is opened if the request for express delivery is made before 3:00 p.m. ET of that day. If the request is made after 3:00 p.m. ET delivery will be made the following day. Delivery will be made only to your home address and a signature is required. If you added an additional card user(s) on your application the additional card(s) cannot be expressed delivered.

The information contained in these disclosures is accurate as of 05/31/2018 and may change after this date.

GIVEBACK™ 

For purposes of the Giveback™ program of your Barclaycard Ring MasterCard®, there is a profit sharing feature. This profit sharing feature is not based on the actual profits of the program. Instead, the Giveback™ program contains a transparent calculation that is used to determine what will be shared with the community members and which may or may not approximate actual profits. The Giveback™ program and the profit sharing features are offered at our sole discretion. We may discontinue the program at anytime. You have no property or other legal right in any aspect of the Giveback™ program, including profit sharing amounts that have yet to be distributed and amounts forfeited as a result of account or Program closure. In addition, your account must be in good standing at the time the Giveback™ is distributed to receive the Reward. The transparent calculations for the Giveback™ program are provided online. To be eligible for Giveback™ you do not need to register online or visit the website. The Giveback™ amount will be presented only online; however, you are not required to log in to receive the reward.

GIVEBACK™ CHARITY 

Customers will have the option of donating their Giveback™ to a charity. These charitable donations will not be eligible for individual tax refunds. Donors will not be given a tax receipt of their donation but will be notified of the amount donated when the donation is submitted.

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