Terms and Conditions
|Interest Rates and Interest Charges|
Annual Percentage Rate (APR) for Purchases
17.49% or 26.49% based on your creditworthiness.
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 17.49% or 26.49% based on your creditworthiness. 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.
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.
$89 for the Miles & More Mastercard World Elite
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each cash advance, whichever is greater.
0% of each transaction in U.S. dollars.
Up to $37
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 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.
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 and the US territories. You may not be eligible for this offer if you currently have or previously had an account with us in this Program. In addition, you may not be eligible for this offer if, at any time during our relationship with you as the issuer of an account in this Program, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). 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 will not be able 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 12.74% or 21.74% 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 10/31/2019 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 (Barclays), located in Wilmington, Delaware. Any account opened in response to this application shall be governed by the laws of the State of Delaware. Mastercard, World Mastercard, World Elite Mastercard and the circles design are registered trademarks 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 10/31/2019 and may change after this date.Information Sharing:
The Miles & More® World Elite Mastercard® Reward Rules
This document contains the official Reward Rules for the Miles & More® World Elite Mastercard® Account (the Account) issued by Barclays Bank Delaware (Barclaycard), and includes important conditions and limitations (the Reward Rules). Please read these Reward Rules and keep this document in a safe place.
Miles & More® is the loyalty program of Lufthansa including Lufthansa Group Carriers (the Program) and is not a product or program of Barclaycard. Miles & More® is solely responsible for establishing the terms and conditions of your participation and Miles accumulation in the Program. Terms and conditions of the Program are published by Miles & More® at miles-and-more.com and Miles & More® reserves the right to change the Program at any time with or without prior notice.
Use of your Account constitutes your acceptance of each of the terms described below and the terms of the Cardmember Agreement. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Cardmember Agreement.
Reward Rules Administration
The Reward Rules are administered by Barclaycard located in Wilmington, DE (“we”, “us” or “our”). We are solely responsible for all credit and eligibility standards and determination of Account issuance.
To maintain your eligibility for participation in the Program through use of the Account:
• You must maintain an open and active Account that is not in default under your Cardmember Agreement with us.
• Your Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments and no transactions.
• You must pay your annual fee (if applicable).
• You must be an individual (corporations, partnerships, and other entities may not participate) and use the Account only for personal, family or household expenses.
• If your personal Miles & More® service card number (the “Membership Number”) was included in the application, we will add that number to your Account automatically.
• Only one personal Miles & More® Membership Number, for the primary cardmember, will be allowed per Account.
Important Information about Miles & More® Miles
• Miles & More Miles® (Miles) within the meaning of these Reward Rules are award Miles only. Award Miles entitle the primary cardmember to redeem in award form within the Program.
• Miles are exempt from expiring, provided a Miles-related purchase is made at least once a month (that is not returned) and the Account has been opened for at least three months. If either of these conditions is not met, the mileage expiration is reactivated and the Miles will be subject to expiration according to the Miles & More® terms and conditions. Miles awarded to Miles & More® status members (Frequent Travellers, Senators and HON Circle Members) do not expire as long as the status is held. For further information, including expiration for Miles, please visit miles-andmore.com/en/no-mileage-expiration.
• You have no property rights or other legal interest in Miles. Miles have no cash value or value of any kind until they are fully redeemed. Miles may not be assigned, transferred or pledged.
• You are responsible for any tax liability related to participating in the Program.
• If you are not credited for earned Miles or other benefits, once identified, the earned Miles or other benefits will be credited. If Miles or other benefits are not available, a comparable benefit will be provided as determined by us in our sole discretion.
• In the event of any abusive, gaming or fraudulent activity related to the Account, as determined by us in our sole discretion, we reserve the right to reclaim corresponding Miles accrued through use of the Account and/or to cancel your Account at any time.
• The Program is subject to all applicable laws and regulations. The redemption of Miles is void where prohibited by law. The sale or barter of any Reward offered through the Program, other than by us, is expressly prohibited.
You will not earn Miles during a billing cycle in which any of the following occur:
• You fail to make the Minimum Payment Due by its Payment Due Date.
• Your Account becomes delinquent.
• Your Account is otherwise in default under your Cardmember Agreement with us. (Your Account is not in good standing.)
• You 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.
Your Miles accrued through use of the Account may be forfeited if any of the following occur:
• Your Account becomes seriously delinquent, as determined by us at our sole discretion.
• You or we close your Account for any reason.
• You engage in fraudulent activity on your Account.
• Your Account is otherwise in default under your Cardmember Agreement with us. (Your account is not in good standing.)
• You engage in any illegal activity on your Account, or engage in activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion.
You earn Miles on retail Purchases you and/or any Authorized User(s) make using your Account, less credits, returns and adjustments (Net Purchases).
• You earn two (2) Miles for every one dollar ($1.00) of Net Purchases, rounded up or down to the nearest dollar, on tickets purchased directly from eligible Miles & More® integrated airline partners (Miles & More® Purchases). Eligible Miles & More® Purchases are items billed by Miles & More® integrated airline partners as merchant of record. Miles & More® integrated airline partners are: Adria Airways, AirDolomiti, Austrian Airlines Group, Brussels Airlines, Croatia Airlines, LOT Polish Airlines, Lufthansa,
Luxair and SWISS (subject to modifications).
• You earn one (1) Mile for every one dollar ($1.00) of Net Purchases made everywhere else.
• Miles earned will be posted to your Miles & More® account no later than four (4) weeks after the transaction is completed.
• From time to time, Barclaycard may offer bonus Miles to new cardmembers who participate in the Miles & More® Program. Unless otherwise stated in the offer, these bonus Miles are intended for persons who are not and have not previously been Miles & More® cardmembers. You understand and agree that, unless expressly stated otherwise in the offer, you are not eligible to receive these bonus Miles for any new Miles & More® World Elite Mastercard® Account you may open in the future. If you receive bonus Miles for which you are not eligible, we may revoke or reduce these bonus Miles.
• Balance Transfers, Cash Advances, Cash Equivalent Transactions (transactions in highly liquid assets, e.g. assets that are directly convertible to cash such as, but not limited to, money orders, travelers checks, foreign currency, gambling chips and lottery tickets), Purchases made by or for a business or for a business purpose, fees, interest charges, and unauthorized/fraudulent transactions do not earn Miles.
There is no limit to the number of Miles you can earn as long as the Program continues and your Account remains open and in good standing.
Cardmembers will earn 20,000 bonus miles after an initial Purchase posts to the account, Bonus miles will be posted at the close of your first billing statement after an initial qualifying Purchase is made.
Cardmembers will also receive 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 has posted and after the annual fee(if applicable) has been paid. The annual fee is considered paid when the cardmember makes payments greater than or equal to the disclosed annual fee. Welcome bonus miles are available to new cardmembers only.
Additional Benefits of your Account
The primary cardmember is eligible for an Economy Class Companion Ticket upon the first use of the new Account for a Purchase and on the Account opening anniversary every year thereafter provided the Account remains open and in good standing. Reservations must be made by calling Miles & More® Companion Ticket Service at 1-866-461-5399. Please note that all taxes and fees must be paid for the revenue ticket as well as the companion ticket. (Companion portion is only the airfare.) This offer may not be combined or used in conjunction with any other promotion, discount, add-ons or coupons and is not combinable with child, infant or senior citizen fares, travel agent discounts, other promotional offers, group fares, frequent flyer awards or special credit vouchers. Please visit lufthansa-usa.com/companion for full Companion Ticket terms and conditions.
Status Miles Conversion (Convert Miles & More® Miles into status miles)
The primary cardmember is eligible to convert a minimum of 5,000 Miles up to a maximum of 25,000 Miles into status miles at a ratio of 5:1 upon the first use of the Account for a Purchase. Status miles are used for achieving or maintaining a given Miles & More® member’s status (note that HON Circle Miles are excluded). Each calendar year thereafter, the primary cardmember will qualify for this benefit provided the Account remains open and in good standing for at least 45 days after payment of the annual fee. Only Miles that have been earned for retail Purchases (that are not later returned or rescinded) in the current and preceding calendar year are allowed for conversion into status miles. Any welcome, bonus or promotional Miles are excluded from eligibility. One conversion event per calendar year is permitted, and the conversion is non-reversible. The conversion into status miles is available online at miles-and-more.com. Login to your personal Miles & More® account in “My lounge” where you can find further information. Please allow 2 weeks after qualifications have been met for the conversion to be activated.
Lufthansa Business Lounge Voucher
The primary cardmember is eligible to receive two (2) one-time use Lufthansa Business Lounge vouchers (the Lounge Vouchers) upon the first use of the Account for a Purchase. Each year thereafter, cardmember is eligible for the Lufthansa Business Lounge vouchers provided the Account remains open and in good standing for at least 45 days after payment of the annual fee. Each Lounge Voucher is valid for one (1) cardmember or one travel companion for one (1) visit at Lufthansa Business Lounges worldwide. Each Lounge Voucher will be valid for 12 months from the date of issuance to the cardmember’s personal Miles & More® account in “My in-box”. Please allow 2 weeks after qualifications have been met for delivery of Lounge Vouchers. For admittance to the Lufthansa Business Lounges, the valid Lounge Voucher (printed or online) and a boarding pass for a same-day departing flight operated by a Lufthansa Group carrier (Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Germanwings, Eurowings) must be presented. The sale as well as the offer for auction of the Lounge Voucher to a third party is prohibited. Lounge Voucher cannot be replaced if lost or stolen. All Lufthansa Business Lounge rules will apply. More information on the terms and conditions of the Lounge Vouchers are available at miles-and-more.com after Login to your personal Miles & More® account in ”My-inbox”. We are not responsible for the provision of, or failure to provide, Lufthansa Business Lounges amenities. Miles & More is solely responsible for the electronic delivery of the Lounge Vouchers to the cardmember’s personal Miles & More® account in “My in-box”.
Discount Code for up to 15% off Miles & More Hotel & Car Awards
Upon the first use of the account for a Purchase, the primary cardmember will be sent a 15% discount code to their personal Miles & More account in “My in-box”, which can be applied to bookings using Miles & More Hotel & Car Awards (www.miles-and-more.com/hotelandcar) through the end of that calendar year. Please allow 2 weeks for delivery of your initial discount code. Each calendar year thereafter, the primary cardmember is eligible for the discount provided the account remains open, active and in good standing for at least 45 days after payment of the annual fee in the preceding year. Discount codes will be delivered to the primary cardmember’s personal Miles & More® account in “My in-box” by the end of every calendar year with validity for the succeeding calendar year. The minimum amount of miles required for the Hotel & Car Award booking, after the discount has been applied, is 7,500 miles. Depending on the total value of the booking in miles the discount may not be applied in full. (Bookings of 8,824 or more miles will receive a 15% discount using the code. Bookings of 8,823 or fewer miles will result in a discount less than 15% using the code.) More information on the terms and usage of the discount code is available on the discount voucher in “My in-box”. Miles & More® is solely responsible for the electronic delivery of the discount code to the cardmember’s personal Miles & More account in “My in-box”.
Annual Fee Waiver
The Annual Fee will be waived for Senator and HON Circle Members, as long as they maintain their Senator or HON Circle Member status.
Responsibility of the Parties/Information Sharing
Limitation and Release of Liability
By participating in the Program and accepting and using rewards earned through the Program, you or any other beneficiary of 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 of any rewards described in these Reward Rules or a cardmember’s right to possess these rewards.
Important General Program Disclosures
Miles & More® reserves the right to change the Miles & More® Program and its terms and conditions at any time without notice, and to end the Miles & More® Program in accordance with the Miles & More® terms and conditions which are published by Miles & More® at miles-andmore. com. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, Miles & More® Miles earned through use of this Account do not count toward Miles & More® status qualification. Miles & More® is not responsible for products or services offered by other participating companies. For complete details about the Miles & More® Program, visit miles-andmore.com.
Barclaycard is not responsible for typographical errors or omissions in this document. Miles cannot be combined with other discount or reward programs unless specifically authorized by us. Barclaycard reserves the right to correct inaccurate Miles values represented on statements or our website, at our sole discretion. We may, at our sole discretion, cancel, modify, restrict, or terminate our offering of the reward program or any aspects or features of the Reward Rules to you at any time without prior notice. All interpretations of Reward Rules shall be at our sole discretion.
If you have any questions about your Rewards Program, please contact the customer service phone number on the back of your card.
©2019 Barclays Bank Delaware (Barclaycard), member FDIC