Terms and Conditions

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

24.99%

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

APR for Balance Transfers

24.99%

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

APR for Cash Advances

25.24%

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  

  • Returned Payment

Up to $37  

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)".


Terms and Conditions Continued:

Important Information about the Barclaycard Rewards 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.

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 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. 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 21.74% to the Prime Rate. 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 10/30/2020 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 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 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.

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 10/30/2020 and may change after this date.

Privacy Policy

Barclays' Privacy Policy is available online at www.BarclaycardUS.com.

 

REWARDS RULES

Barclaycard Rewards Card Rewards Program Rules

This document contains the official Rewards Program Rules (“Rewards Rules”) for the Barclaycard Rewards Account issued by Barclays Bank Delaware (“Barclaycard”, “we”, “us”, or “our”) and includes important conditions and limitations of the rewards program associated with the Barclaycard Rewards Account (the “Program”). “You”, “your” or “primary cardmember” means the person who applied for the Account. Use of your Barclaycard Rewards card ("the Card") constitutes your acceptance of each of the terms described below. Capitalized terms not defined in these Rewards Rules have the meaning ascribed to them in the Cardmember Agreement. Please read these Rewards Rules and keep this document in a safe place.

Program Administration

The Program is administered by Barclaycard located in Wilmington, DE. Barclaycard’s Privacy Policy is available online at BarclaycardUS.com. Barclaycard is responsible for establishing the terms and conditions of the Program and reserves the right to modify, amend, or terminate the Program at any time, with or without notice.

Gift cards/certificates and merchandise are administered by Loyalty Edge, Inc. (“Loyalty Edge”) an independent company not affiliated with Barclaycard.

To qualify for participation in the Program:

  • You must maintain an open Account that is not in default under your Cardmember Agreement with us.
  • 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 must be an individual (corporations, partnerships, and other entities may not participate) and use the Account only for personal, family or household expenses.
  • You must not engage in any illegal activity through the use of your Account or engage in activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion.

If you do not qualify for participation in the Program, your enrollment in the Program may be cancelled and any unredeemed points may be forfeited.

Earning Points

  • You earn points for retail purchases less credits, returns, and adjustments (“Net Purchases”) made with the Account by you and/or any authorized user(s), as follows:

o   You earn 2 points for every $1 spent on gas, utility, and grocery store (excluding Target® and Walmart®) Net Purchases, each as described in the section below titled “Gas, Utility & Grocery Store Purchases”.  Purchases must be submitted by merchants using the merchant category codes for purchases in these categories to qualify for the additional points. Barclaycard is not responsible for incorrectly coded purchases.  Additional points may not be earned if the merchant submits the transaction using a mobile or wireless card reader or if you use a mobile or digital wallet to pay for the purchase. Additionally, purchases made through third parties, including online marketplaces and resellers, or using a third-party payment account will not earn additional points.

  • You earn 1 point for every $1 spent on all other Net Purchases
  • 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 points earned.  For example, if you make a purchase in the amount of $49.49, 49 points will be awarded, but if the transaction amount is $49.50, 50 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 points.
  • There is no limit to the total points you can earn as long as the Program continues and the Account is open, active and 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 points earned for abuse, fraud, or any violation of the Rewards Rules.

Gas, Utility & Grocery Store Purchases

  • Gas purchases are defined as automated fuel dispensers and service stations, as identified by the merchant category codes.
  • Utility purchases are defined as telecommunications services, cable, satellite, electric, gas, heating oil and water, as identified by the merchant category codes.
  • Grocery store purchases are defined as grocery stores, as identified by the merchant category code, excluding Target® and Walmart®.  Please note, some merchants that sell grocery items, such as, warehouse clubs, drug stores, discount stores and merchants that sell a limited number of grocery items  generally do not use the grocery store merchant category code.   

 Redeeming Points

  • You have the option to redeem your points for a bank deposit to a U.S. checking or savings account, statement credits, gift cards or merchandise.
  • Redemptions start at 1,000 points for $10.00.   
  • To redeem, visit BarclaycardUS.com or call the number on the back of your Card. 
  • There is no limit to the total points you can redeem as long as the Program continues and your Account is open, active, and in good standing; however, please note the daily limit on bank deposits described in the section below titled “Deposits into U.S. Checking or Savings Account”. Barclaycard is not responsible for unauthorized redemptions on your Account.

Deposits into U.S. Checking or Savings Account

  • Redemptions for bank deposits into U.S. checking or savings accounts start at 1,000 points for $10.00.
  • Deposits will be transferred to the requested bank account within three to four (3-4) business days.
  • There is a $500 daily limit for points redemptions deposited into U.S. checking or savings accounts. 

Statement Credits

  • Redemptions for statement credits start at 1,000 points for $10.00.
  • If you redeem your points for a statement credit, the credit will be posted to your Account within one to two (1-2) business days.
  • Statement credits reduce your Account balance but cannot be applied toward any minimum payment requirement and are otherwise subject to the terms and conditions applicable to your Account.

Gift Cards/Certificates and Merchandise  

  • Redemptions for gift cards start at 1,000 points for $10.00.
  • Points required for redemptions for merchandise vary, depending on what you are redeeming for. 
  • The selection of gift cards and merchandise items are subject to availability and the number of points needed to redeem for them may change at any time.
  • You may redeem 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 Account 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 redemption 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 be eligible for expedited shipping. Expedited shipping fees cannot be paid with 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.
  • All rewards are subject to product availability.  Loyalty Edge reserves the right to substitute items of equal or greater value. Loyalty Edge 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 ten (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 four to six (4-6) weeks.

Merchandise Return Policy

  • Items are nonrefundable and nonreturnable.
  • Mail Delivery: If the items you received are damaged or defective, you must contact the Customer Service number on the back of your Card immediately and items must be returned within thirty (30) days of delivery. No exchanges or returns are accepted after thirty (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 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.  

 

Important Information about Points

  • As long as your Account remains open, active, and in good standing, your points will not expire or be forfeited.
  • All points earned by the primary cardmember and any authorized user(s) will be added to the primary cardmember’s points balance.
  • You have no property rights or other legal interest in points. Points have no cash value or value of any kind until they are fully redeemed.
  • Points may not be transferred or assigned.
  • 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 points adjustments to your Account and/or to close your Account at any time.
  • The Program is subject to all applicable laws and regulations. The sale or barter of any 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 points earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclaycard does not provide tax advice.

Points Restrictions

You may not earn or redeem points during a billing cycle in which any of the following occur:

  • You fail to make the minimum payment due by the payment due date.
  • Your Account becomes delinquent.
  • Your Account is otherwise in default under your Cardmember Agreement with us. (You fail to keep your Account in good standing.) 
  • You or any authorized user on the Account, engage in fraudulent activity on this Account.
  • You, or any authorized user on the Account, 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.

Points Forfeiture

You may forfeit your points if any of the following occur:

  • Your Account becomes seriously delinquent, as determined by Barclaycard in its sole discretion.
  • You or we close your Account for any reason.
  • You or any authorized user on the Account, 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, or any authorized user on the Account, 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 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 points or a cardmember’s right to possess points or make redemptions.

Important General Program Disclosures

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. 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, in our sole discretion.

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

 

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