Terms and Conditions

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

16.49%, 20.49% or 23.49%, based on your credit worthiness.

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

0% promotional APR for six billing cycles from the transaction date on all "Qualifying Diamond Resorts International®  Vacation Ownership Purchases" (see below).

After that, your APR for Qualifying Diamond Resorts International®  Vacation Ownership Purchases will be 16.49%, 20.49% or 23.49%, 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 following each balance transfer that posts to your account within 45 days of account opening.

After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 16.49%20.49%, or 23.49% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

26.74%

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

Either $5 or 3% of the amount 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 $37 (the amount of the fee varies by state, see below) 

  • Returned Payment

Up to $37 (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 Diamond Resorts 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 $37 (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $37 (Up to $15 for residents of Iowa at time of account opening).

The "Qualifying Diamond Resorts International®  Vacation Ownership Purchase" means all Diamond Resorts International®  Vacation Ownership timeshare down payment purchases made with the credit card account as determined by the merchant identification number provided by Diamond Resorts International®.

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 either 11.74%, 15.74% or 18.74% to the Prime Rate based on your creditworthiness. For the cash advance APR, we add 21.99% 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.

Avoiding Interest on Purchases: We will not charge you interest on any purchases if you pay your entire balance by the due date each month. In addition, during this introductory period we will not charge you interest on purchases if you pay by the due date each month your outstanding statement balance minus any new 0% introductory APR Balance Transfer balances. To avoid a late fee, you should pay at least the minimum payment due on your account each month.

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 your request for express delivery is made before 3:00pm ET of that day. If the request is made after 3:00pm 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.

Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays Bank Delaware and Diamond Resorts International® may share information about me and my account to the extent needed to administer the Diamond Resorts International® World Mastercard® in conjunction with the Diamond Resorts International® World Mastercard® Rewards Program.

Diamond Resorts International® World Mastercard® Rewards

Program Rules

This document contains the official Rewards Program Rules (“Program Rules”) for the Diamond Resorts International® World Mastercard® Program (the “Program”) and includes important conditions and limitations. Use of your Diamond Resorts International® World Mastercard® (“the Card”) constitutes your acceptance of each of the terms described below and the terms of the Cardmember Agreement. Please read these Program Rules and keep this document in a safe place. Capitalized terms not defined in these Program Rules have the meaning ascribed to them in the Cardmember Agreement.

Program Administration

The Program is administered by Barclays Bank Delaware (“Barclaycard”) located in Wilmington, DE (“we”, “us” or “our”). Barclaycard’s Privacy Policy is available online at BarclaycardUS.com. Barclaycard and Diamond Resorts Corporation (“Diamond Resorts”) are responsible for establishing the terms and conditions of the Program and reserve the right to modify, amend, or terminate the Program at any time, with or without notice.

Gift cards/certificates, merchandise and travel redemptions are administered by Loyalty Edge, Inc. (“Loyalty Edge”) an independent company not affiliated with Barclaycard or Diamond Resorts. Diamond Resorts is not a party to the Cardmember Agreement between you and us, does not participate in any extension of credit, and has no authority regarding the Account. Barclaycard is the sole creditor and owner of the Account. Barclaycard and Diamond Resorts will share information to the extent needed to administer the Program and the Diamond Plus Points™ Program.

 Earning Diamond Plus Points™

• You earn Diamond Plus Points™ for retail purchases less credits, returns, and adjustments (“Net Purchases”) made by you and/or any Authorized User(s) of the Account.

• You earn Diamond Plus Points™ in the following amounts based upon the types of purchase transactions made using your Account:

  •  2 Diamond Plus Points™ per $1 spent at Diamond Resorts managed properties. For a list of Diamond Resorts managed properties, please go to BarclaysEligibleResorts.DiamondResorts.com.
  • 1 Diamond Plus Point™ per $1 spent on all other Net Purchases made with your Account.

• No Diamond Plus Points™ will be earned on any Diamond Resorts vacation ownership timeshare down payment transactions made with your Account.

• When a purchase or transaction is not a whole dollar amount, any fraction equal to or greater than $0.50 will be rounded up to the nearest whole dollar and any fraction equal to or less than $0.49 will be rounded down to the nearest whole dollar to calculate Diamond Plus Points™ earned. For example, if you make a purchase in the amount of $49.49, 49 Diamond Plus Points™ will be awarded, but if the transaction amount is $49.50, 50 Diamond Plus Points™ will be awarded.

• Balance Transfers, Cash Advances (including Cash Equivalent transactions such as, but not limited to, the use of your Card or Account number to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges, and unauthorized/fraudulent transactions do not earn Diamond Plus Points™.

• There is no limit to the total Diamond Plus Points™ you can earn as long as the Program continues and the Account is in good standing.

• Barclaycard reserves the right, at its sole discretion, to disqualify any cardmember from participating in the Program and to forfeit any or all Diamond Plus Points™ earned for abuse, fraud, or any violation of the Program Rules.

 First Use

After using your Diamond Resorts International® World Mastercard® to make a Purchase or Balance Transfer (provided the transaction is not later rescinded or returned), you will receive a one-time bonus of 2500 Diamond Plus Points™. These Diamond Plus Points™ will be posted at the close of your first billing statement in which the purchase or Balance Transfer is posted. First Use Bonus Points are limited to new Cardmembers only.

Redeeming Diamond Plus Points™

Diamond Plus Points™ Statement Credit Redemptions:

• You can redeem Diamond Plus Points™ for statement credits toward eligible purchases made using your Diamond Resorts International® World Mastercard. The redemption can be made online at BarclaycardUS.com or by calling the number on the back of your Card.

• The statement credit will appear on your Account within one billing cycle after the Diamond Plus Points™ are redeemed. There is no maximum to the number of Diamond Plus Points™ that may be redeemed in any billing cycle. A redemption for a statement credit toward an eligible purchase that is less than the full purchase amount can be made using an amount of Diamond Plus Points™ that results in statement credit increments of $50, up to $2,000. Redemption of Diamond Plus Points™ for the full purchase amount of an eligible purchase can be made for any amount, starting at $50. Barclaycard and Diamond Resorts are not responsible for unauthorized redemptions on your Account.

  • You may redeem Diamond Plus Points™ for Diamond Resorts International® World Mastercard statement credits toward Diamond Resorts purchases of $50 or more that posted to your Account within the past 120 days. Redemptions start at 5,000 Diamond Plus Points™ for a $50 statement credit toward a Diamond Resorts purchase. Statement credit redemptions toward  

Diamond Resorts purchases offer the best rewards value.

  • Additionally, you may redeem Diamond Plus Points™ for Diamond Resorts International® World Mastercard statement credits toward airfare or car rental purchases of $50 or more that posted to your Account within the past 120 days. Redemptions start at 6,667 Diamond Plus Points™ for a $50 statement credit toward airfare or car rental purchases.

Travel Redemptions:

• You may redeem Diamond Plus Points™ for airfare and car rentals when you book using Loyalty Edge on BarclaycardUS.com or by calling the customer service number on the back of your Card. Cardmembers may redeem Diamond Plus Points™ for a scheduled ticket on a participating major airline carrier, provided that the fares and schedules are found on, and the ability to generate a ticket (electronic or paper) is possible through, the Global Distribution System (GDS). GDS provides the same flights and fares available to travel agencies, but lower fares may be available elsewhere, e.g. from charters, wholesalers, consolidators and any Internet fares that are not published and/or available through GDS.

• Redemptions start at 10,000 Diamond Plus Points™ for $75 towards an airline ticket or car rental.

• Air and/or car rental reward rates are only guaranteed at the time your booking is made. Redemption cost includes all applicable taxes and fees at the time of booking.

• A valid email address is required for travel redemptions. A confirmation of your booking will be provided to you via email and will be sent to the email address you provided in the “Traveler Information” section during checkout. That email will contain all relevant itinerary information as well as how to obtain your flight ticket from your airline carrier. Contact information will also be provided should you require additional support.

• Travel redemptions can be made with a combination of Diamond Plus Points™ and a purchase using a major credit or debit card, as long as you have at least the 10,000 minimum Diamond Plus Points™ required for the redemption. The transaction description that will show on your credit or debit card statement for any travel redemption purchases will be “Rewards Redemption Center”.

• All bookings are final and non-refundable. Cardmembers who wish to cancel a booking will forfeit their Diamond Plus Points™ redeemed for that booking and may incur additional supplier fees.

• If changes or modifications are made to a booking, the following will apply:

- A fee of $35 USD will apply, plus any applicable supplier fees, and may cause forfeiture of your redeemed Diamond Plus Points™ for the original booking.

- Whether or not a transfer of your Diamond Plus Points™ from the original booking to the new booking will be allowed will be at the discretion of the airline or car rental provider.

- If your Diamond Plus Points™ can be transferred, the original booking will be canceled with the applicable fees and your Diamond Plus Points™ and/or payments will be applied towards the new reservation.

• Barclaycard is not responsible for communication of airline schedule changes or any other changes made by the airline. Flight reservations should be reconfirmed by the primary cardmember or designated traveler at least 72 hours prior to departure. All reservations are subject to the conditions of carriage, supply or business of the service provider, which include exclusions and limitations of liability. The primary cardmember or designated traveler is responsible for obtaining a valid government-issued photo ID and the appropriate international travel documentation such as passports and visas.

• Barclaycard is not responsible for the performance of any airline.

 Gift Cards/Certificates and Merchandise Redemptions:

• The selection of gift cards and merchandise items and the number of Diamond Plus Points™ needed to redeem them may change at any time and are subject to availability.

• You may redeem Diamond Plus Points™ for gift cards, gift certificates and merchandise shipped to addresses in the 50 United States, Puerto Rico and the Virgin Islands. Items cannot be shipped internationally or to P.O., A.P.O., F.P.O. boxes, or Guam. Certain items may have shipping restrictions outside of the 48 contiguous United States and the District of Columbia and these restrictions will be noted in the terms & conditions for that item.

• You may choose to have merchandise or gift cards delivered to an address other than your billing address by updating the shipping information during the check-out process, but addresses cannot be changed after an order has been submitted. You can also choose to have redemptions email confirmations delivered to an email address other than the one on file at Barclaycard by updating this information in the check-out process. Changing address or email address as part of the check-out process will not change the information on file at Barclaycard, it will only be used for that order.

• Certain items may have shipping restrictions outside of the 48 contiguous United States and the District of Columbia.

• Certain items may be eligible for expedited shipping. Expedited shipping fees cannot be paid with Diamond Plus Points™ and must be paid with a major credit or debit card. The transaction description that will show on your credit or debit card statement for these fees will be “Rewards Redemption Center”.

• Items ordered at the same time may arrive separately.

• Items paid for by redeeming gift cards/ e-certificates will be subject to sales tax as provided by the applicable law of the jurisdiction in which the purchase is made.

• All rewards are subject to product availability. We reserve the right to substitute items of equal or greater value. We will ship the model pictured or the most current comparable model available. Items shown are the latest models available at the time of placing your order.

• Terms of gift card and/or e-certificate redemptions are subject to the rules of the merchant that may be viewed online. Each merchant/provider has the right to place restrictions on the use of its gift cards or gift certificates. Gift cards or gift certificates are not exchangeable, refundable, transferable or redeemable for cash, cannot be replaced if lost or stolen and are void where prohibited.

• Gift cards/e-certificates must be presented to the participating merchant for redemption, use, and the delivery of goods and services. Items paid for by redeeming gift cards/ e-certificates will be subject to sales tax as provided by the applicable law of the jurisdiction in which the purchase is made. Sales tax, if applicable, will be a charge against the value of the gift cards or gift certificates or will require a separate supplemental payment.

• Tickets are nontransferable and do not include activities/events separately priced. Tickets will be mailed and arrive within 10 business days of your redemption. Water parks are subject to seasonal or weather closures. Age restrictions may apply for access to certain facilities. Please see the terms and conditions of your specific item online for full details.

• Purchase protection or extended warranty coverage associated with your Account is not applicable to rewards. The manufacturers’ warranty, if any, applies to items offered. Please check product terms and conditions online for additional product information details.

Velvet Glove Delivery: Velvet Glove delivery is available on select products. A daytime phone number must be provided for orders that require Velvet Glove delivery. You will be contacted by the carrier to schedule an appointment for delivery. The Velvet Glove crew will deliver the product to your shipping address, bring it onto the premises, unpack it in the room of your choice (access permitting) and remove all packaging materials. They will not install or set up the product. Please be sure to inspect all items delivered by the Velvet Glove team before signing for such items. Should you find an issue with the merchandise, you should refuse the delivery, ask the carrier to re-package and remove the item from your premises, and contact the Customer Service number on the back of your Card. Once you accept delivery, no refunds, exchanges, or replacements will be allowed. For Velvet Glove delivery of larger items, shipment may require 4 to 6 weeks.

 Merchandise Return Policy:

• Items are nonrefundable and nonreturnable.

• Mail Delivery: If the items you received are damaged or defective, you must your card immediately and items must be returned within 30 days of delivery. No exchanges or returns are accepted after 30 days. Products must be in their original packaging. All parts must be included in package before credit will be issued or a replacement of the damaged or defective items will be shipped.

• Velvet Glove Delivery: Should you find an issue with the merchandise, you should refuse the delivery, ask the carrier to repackage and remove the item from your premises, and contact the Customer Service number on the back of your Card. Once you accept delivery, no refunds, exchanges, or replacements will be allowed.

Additional Program Benefits

The Diamond Resorts International® World Mastercard® Rewards Program also includes the additional benefit of Diamond Flexibility:

Diamond Flexibility is a benefit offered by Diamond Resorts International®, solely for Diamond Resorts Club members, which allows you to rent additional points to secure a reservation for your vacation in the event you do not have sufficient points to do so. Please contact Diamond Resorts International® directly for more details on this benefit and the exclusive 10% rebate offered to Diamond Resorts International® Mastercard cardmembers.

 Important Information about Diamond Plus Points™

• Diamond Plus Points™ will be itemized on your periodic statement.

• As long as your Account remains open, active, and in good standing, your Diamond Plus Points™ will not expire.

• All Diamond Plus Points™ earned by the Primary cardmember and any Authorized User(s) will be added to the Primary cardmember’s Diamond Plus Points™ balance.

• You have no property rights or other legal interest in Diamond Plus Points™ and have no cash value or value of any kind until they are fully redeemed.

• Diamond Plus Points™ may not be transferred or assigned.

• The rewards program will be adjusted accordingly as the merchant network evolves. If you are not credited for earned Diamond Plus Points™ or other benefits, once identified, the earned Diamond Plus Points™ or other benefits will be credited.

• In the event of any abusive, gaming, or fraudulent activity related to the Program, as determined by us in our sole discretion, we reserve the right to make corresponding Diamond Plus Points™ adjustments to your Account and/or to cancel your Account at any time.

• The Program is subject to all applicable laws and regulations. The sale or barter of any Diamond Plus Points™ or items received through redemption as part of the Program, other than by us, is expressly prohibited.

• You are solely responsible for any taxes that may be owed as a result of Diamond Plus Points™ earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclaycard does not provide tax advice.

Diamond Plus Points™ Restrictions

You may not earn or redeem Diamond Plus Points™ during a billing cycle in which any of the following occur:

• Your Account becomes delinquent.

• Your Account is in default under your Cardmember Agreement with us. (You fail to keep your Account in good standing.)

• Your Account cannot have been inactive for 7 billing cycles in a row (representing approximately 7 months). “Inactive” means you have no balance, no payments, and no transactions.

• You engage in any illegal activity through the use of the Account or engage in activity that is deemed to be abusive or gaming conduct under the Program, as determined by us in our sole discretion.

Diamond Plus Points™ Forfeiture

You may forfeit your Diamond Plus Points™ if any of the following occur:

• Your Account becomes seriously delinquent, as determined by Barclaycard at its sole discretion.

• You or we close your Account for any reason.

• You engage in fraudulent activity on this Account.

• Your Account is otherwise in default under your Cardmember Agreement with us. (You fail to keep your Account in good standing.)

• You engage in any illegal activity through the use of the Program or engage in activity that is deemed to be abusive or gaming conduct under the Program, as determined by us in our sole discretion.

Limitation and Release of Liability

By participating in the Program and accepting and using Diamond Plus Points™ earned through the Program, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge, and hold harmless Barclaycard and its respective parent companies, subsidiaries, affiliates, agents, administrators, employees, officers, directors, successors, and assignees from all claims, damages, or liability including, but not limited to, physical injury or death, arising out of participation in the Program or travel taken or use of products purchased in connection with the Program. Barclaycard is not responsible for unauthorized redemptions on your Account. Barclaycard has no liability in case of disagreement over issuance or redemption of Diamond Plus Points™ or a cardmember’s right to possess Diamond Plus Points™ or make redemptions.

Important General Program Disclosures

The Program is subject to change or termination without prior notification. Other significant terms may apply. All trademarks and service marks belong to their respective owners. We are not responsible for typographical errors or omissions in this document. Diamond Plus Points™ cannot be combined with other discount or reward programs unless specifically authorized by us.

We reserve the right to correct inaccurate rewards values represented on statements or our website, at our sole discretion.

We may, at our sole discretion, cancel, modify, restrict, or terminate the Program or any aspects or features of the Program at any time without prior notice. All interpretations of Program Rules shall be at our sole discretion.

Customer Service

If you have any questions about the Program, please contact the customer service phone number on the back of your Card.

© 2017 Barclays Bank Delaware (Barclaycard), Member FDIC

 

Member FDIC Equal Housing Lender

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