Terms and Conditions

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

15.74% or 17.74% 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 15.74% or 17.74% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

26.99%

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

World Elite card with Annual Fee: $150 (waived for Achiever Circle Elite clients)

World card: $0 

Transaction Fees:

 

  • Balance Transfer

Either $10 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

2% 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 Ameriprise 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).

Annual Fee Waiver for Achiever Circle Elite Members: If you are an Achiever Circle Elite member, we will waive your annual fee on a World Elite card. We reserve the right to waive your Annual Fee in any year based on factors we may determine from time to time without waiving your Annual Fee in subsequent years. If at any time you are no longer a member of Achiever Circle Elite, you will be assessed an Annual Fee of $150. Please see your Cardmember Agreement for more details. Please refer to ameriprise.com or your Financial Advisor for more information about your Achiever Circle status and how this status may change.

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.    

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: You agree that Barclaycard has a 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.

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 10.74% or 12.74% 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 06/29/2018 using a Prime Rate of 5.0%.

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.

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.

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 statement balance by the due date each month and, as an additional benefit, we will not charge you interest on purchases if you pay by the due date each month your outstanding statement balance on purchases and cash advances minus any 0% introductory APR balance transfers you make pursuant to this offer. We will charge you interest if you do not make such payments and, in addition, 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.

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 06/29/2018 and may change after this date.

Information Sharing: Ameriprise’s Privacy Policy is available online at www.ameriprise.com. Barclaycard's Privacy Policy is available online at BarclaycardUS.com. You agree that Ameriprise and Barclaycard may share information about you and your account to the extent needed to administer the Ameriprise Financial MasterCard Program and the Ameriprise Financial Rewards Program.

You authorize us to share your account information, including your personal identification information, with its affiliates for the purpose of assisting with your Account(s), such as answering questions about payments or transactions, obtaining copies of your account statements, viewing the account balances, handling disputes regarding the Account and providing any other service that may be needed which requires the advisor to know your account information.

About Us and This Credit Card Program: The Ameriprise MasterCard is issued by Barclays Bank Delaware (BarclayCard) pursuant to a license by MasterCard International Incorporated. MasterCard, World MasterCard and MasterCard World Elite are registered trademarks of MasterCard International Incorporated.

Important Information about the Ameriprise Rewards program: 

Rewards under this program are earned on purchases made with your Ameriprise MasterCard. The following transactions are excluded from “Purchases” and do not earn Rewards unless stated: balance transfers, balance transfer checks, cash advances, finance charges and credit card fees. Rewards are also not earned on returns made on your Account. Your account must remain open and in good standing to receive any of the Rewards offered under the rewards program. Good standing means you are not in default under the Cardmember Agreement. The Rewards program is administered by a third party service provider. Points are earned on net purchases at a rate of 1 point for each one dollar spent on the Ameriprise MasterCard  rounded up or down to the nearest whole dollar. Please refer to the Ameriprise Financial MasterCard Program Guide you will receive for complete details on the Ameriprise Rewards program. We reserve the right to suspend, modify, cancel or terminate the rewards program in whole or in part, at any time for any reason.

Ameriprise Rewards Bonus Points: Cardmembers will be awarded ten thousand (10,000) bonus points after at least $500.00 in Net Purchases, Balance Transfers and/or Cash Advances (that are not later returned or rescinded) has been charged to the new account in the first 90 days after account opening. There is a fee for Balance Transfers and Cash Advances. The bonus points will appear on the monthly billing statement within 1 to 2 billing cycles after the qualifying transactions have posted. Subject to Ameriprise Rewards program terms and conditions. Points are redeemed in increments of 10,000 for each $150 financial planning certificate. Points for cash back redemption into an eligible account must be made in 30,000 point increments for 1.25% cash back with the Ameriprise World MasterCard and 1.50% with Ameriprise World Elite Mastercard. You may redeem points for cash back into the following eligible Ameriprise® Accounts: Active Portfolios® Account, Ameriprise® Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage Account and Cash Reserve Certificates Account. Business or trust accounts are not eligible for the Ameriprise Rewards program. Please visit ameriprise.com/rewards for the Ameriprise Reward Program Terms and Conditions for complete details.

You may not use your Ameriprise Financial MasterCard® credit card account (this includes the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities. We reserve the right to cancel your Ameriprise Financial MasterCard credit card account if at any time we believe you have violated this requirement.

© 2018 Barclays Bank Delaware (Barclaycard), member FDIC

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