Terms and Conditions

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

17.74%, 21.74% or 26.74%, 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 twelve 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 17.74%21.74%, or 26.74% 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

$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

0% 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 JetBlue World Mastercard 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).

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 12.74%, 16.74% 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 08/31/2018 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.

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 08/31/2018 and may change after this date.

Information Sharing: Barclaycard’s Privacy Policy is available online at BarclaycardUS.com. You agree that Barclaycard and JetBlue may share information about you and your account to the extent needed to administer the JetBlue Card Program in conjunction with the JetBlue TrueBlue Program.

 

JetBlue Mastercard® Reward Rules

This document contains the official Reward Rules for the JetBlue Mastercard® Account ("Account") issued by Barclays Bank Delaware ("Barclays", "we", "us", or "our") and includes important conditions and limitations ("Reward Rules"). Use of your Account constitutes your acceptance of each of the terms described below and the terms of the Cardmember Agreement (“Cardmember Agreement”). "You", "your" or "primary cardmember" means the person who applied for the Account. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Cardmember Agreement.

TrueBlue® is a frequent flyer program (the “Program”) offered by JetBlue Airways Corporation (“JetBlue”) and is not a product or program of Barclays. JetBlue is solely responsible for establishing the terms and conditions of your participation and points accumulation in the Program. Terms and conditions of the Program are published by JetBlue at jetblue.com and JetBlue reserves the right to change or cancel the Program and Program rules at any time with or without prior notice.

Reward Rules Administration
To maintain your eligibility for participation in the Program through use of the Account:

  • You must maintain an open Account that is not in default under your Cardmember Agreement with us (in “Good Standing”). See sections titled “TrueBlue points Restrictions” and “TrueBlue points Forfeiture” for more details.
  • 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 purchases and/or 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.

Program Membership

  • If your TrueBlue membership account number was included in the application, we will add that number to your Account automatically. We may also use other information on your application to determine if you have a TrueBlue account. If your email account is already associated with a TrueBlue membership account that cannot be attributed to you, you may need to provide another email address to register for TrueBlue or you may not be able to access all benefits associated with the TrueBlue membership account.
  • If the TrueBlue membership account number that you provided is found to be invalid or you did not provide us with a TrueBlue membership account number, a new TrueBlue membership account number will be assigned to you and added to your Account.
  • Only one TrueBlue membership account number will be established per Account, and assigned to the primary cardmember on that Account.

Earning TrueBlue Points

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

  • You earn three (3) TrueBlue points for every one dollar ($1.00) of eligible Net Purchases made with the Account, rounded up or down to the nearest dollar, on tickets, goods and services purchased directly from JetBlue (“JetBlue Purchases”). Eligible JetBlue Purchases are items billed by JetBlue as merchant of record booked through JetBlue channels (jetblue.com, JetBlue reservations, JetBlue Vacations and JetBlue airport ticket counters). Products or services that do not qualify as JetBlue Purchases are car rentals or hotel reservations purchased outside of a JetBlue Vacations package, and purchases of TrueBlue points.
  • You earn two (2) TrueBlue points for every one dollar ($1.00) of Net Purchases made with the Account, rounded up or down to the nearest dollar, on goods and services purchased directly at restaurants and grocery stores, as determined by the merchant category description. Qualifying restaurant purchases are categorized as: Restaurants and Fast Food Restaurants. Qualifying grocery store purchases are categorized as Grocery Stores and Supermarkets. Please note that large warehouse-type stores (Target, Walmart and Costco) are generally not classified as grocery stores.
  • You earn one (1) TrueBlue point for every one dollar ($1.00) of Net Purchases made with the Account everywhere else.
  • Points earned will be posted to the primary cardmember’s TrueBlue membership account in 4-6 weeks following earning activity.
  • Purchases must be submitted by merchants using the merchant category codes for purchases in the above specified categories to qualify for the additional TrueBlue points. Barclays and JetBlue are not responsible for incorrectly coded purchases. Additional TrueBlue points may not be earned if the merchant submits the purchase 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 TrueBlue points.
  • Balance transfers, cash advances (including cash equivalent transactions such as, but not limited to, the use of your Account to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges and unauthorized/fraudulent purchases do not earn TrueBlue points.
  • When a purchase is not a whole dollar amount, any amount that is equal to or greater than $0.50 will be rounded up to the nearest whole dollar and any amount that is equal to or less than $0.49 will be rounded down to the nearest whole dollar to calculate your TrueBlue points earned. For example, if you make a purchase in the amount of $25.50, you will be awarded 26 TrueBlue points, but if the purchase amount is $25.49, you will be awarded 25 TrueBlue points.

Bonus TrueBlue Points
You will receive a one-time 10,000 TrueBlue points bonus after spending $1,000 in Net Purchases within the first 90 days after your Account open date. The bonus will be reflected on the billing statement in which you have qualified to earn the bonus.  Please allow 4-6 weeks for TrueBlue bonus points to be deposited into your TrueBlue membership account after the qualifying purchase(s) have posted to your Account. This offer may be cancelled at any time without notice.

From time to time, we may offer bonuses of TrueBlue points or other incentives to new JetBlue Mastercard cardmembers in connection with an application for a new account. These bonuses and /or incentives are intended for persons who are not and have not previously been JetBlue Mastercard cardmembers. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new JetBlue Mastercard account after this Account is opened. If you receive a bonus or incentive for which you are not eligible due to your status as a current or former JetBlue Mastercard cardmember, we may revoke the bonus or incentive, or reduce your TrueBlue points by the amount of the bonus or incentive, or charge your Account for the fair value of the bonus or incentive, in our sole discretion.

Redeeming TrueBlue Points
JetBlue manages the Program including redemption. You can obtain information regarding the redemption options available by calling 1.800.JETBLUE or online at jetblue.com.

Important Information about TrueBlue Points

  • TrueBlue points awarded to your TrueBlue membership account do not expire.
  • As long as the Program continues and the Account is open, active and in Good Standing, there is no limit to the total TrueBlue points you can earn using your Account.
  • In the event of any abusive, gaming or fraudulent activity related to the Account or violation of the Reward Rules, as determined by us in our sole discretion, we reserve the right to make corresponding adjustments to or invalidate TrueBlue points accrued in the Program through use of the Account, to disqualify you from participating in the Program through use of the Account, and/or to close your Account at any time. Abusive or gaming activity includes, but is not limited to, obtaining or using an Account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/opening, as determined by us in our sole discretion.
  • All TrueBlue points earned by the primary cardmember and any authorized user, through use of the Account, will be transferred to the primary cardmember’s TrueBlue membership account after the close of each billing statement. Your TrueBlue membership account is subject to the TrueBlue Program terms and conditions, located at jetblue.com, which includes expiration and forfeiture policies. 
  • If you do not receive credit for earned TrueBlue points through use of your Account, please contact the Customer Service number on the back of your card.
  • You have no property rights or other legal interest in TrueBlue points. TrueBlue points have no cash value or value of any kind until they are fully redeemed. TrueBlue points may not be assigned, transferred or pledged.
  • You are responsible for any tax liability related to participating in the Program.
  • Participation in the Program through use of your Account is subject to all applicable laws and regulations. The sale or barter of any reward offered through the Program earned through use of the Account, other than by us, is expressly prohibited.
  • You can view a summary of your TrueBlue points earned through the use of your Account on your monthly Account billing statement or by logging in to BarclaysUS.com. Your total TrueBlue points Program balance is available by calling 1.800.JETBLUE (1.800.538.2583) or online at jetblue.com.
  • Barclays is not responsible for awarding the TrueBlue points to your TrueBlue membership account or for arranging or providing for any goods or services related to the use of TrueBlue points, for any delay, failure, or refusal by JetBlue to award or redeem TrueBlue points, or for any decision by JetBlue to revoke or cancel TrueBlue points or membership in the Program.
  • For details regarding treatment of JetBlue points in your TrueBlue membership account, please refer to the Program Terms and Conditions at jetblue.com.

TrueBlue Points Restrictions
You may not earn TrueBlue points through use of the Account during a billing cycle in which any of the following occur:

  • You, or any authorized user on the Account, 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. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card applications/openings, as determined by us in our sole discretion.
  • 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.

TrueBlue Points Forfeiture
TrueBlue points earned through use of the Account, but not yet transferred to JetBlue may be forfeited if any of the following occur:

  • You, or any authorized user on the Account, 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. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card applications/openings, as determined by us in our sole discretion.
  • Your Account becomes seriously delinquent, as determined by Barclays in its sole discretion.
  • Your Account is otherwise in default under your Cardmember Agreement with us.
  • For details regarding treatment of TrueBlue points in your TrueBlue membership account, please refer to the Program Terms and Conditions at jetblue.com.

Additional Benefits of Your Account

50% Savings on Inflight Food and Drink Purchases
Cardmembers in good standing will qualify for a 50% savings on eligible inflight food and drink purchases.  Eligible purchases include the inflight purchase of cocktails, beer, wine and meals on JetBlue-operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as pillows, earphones or upgraded seats or cabins. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement credit 4-6 weeks after the transaction is posted to the cardmember’s Account.

Responsibility of the Parties/Information Sharing
JetBlue is not a party to the Cardmember Agreement between you and Barclays, does not participate in any extension of credit, and has no authority regarding the Account. Barclays has no authority regarding the Program and is not responsible for any goods or services offered by JetBlue. You authorize Barclays to share information about your Account with JetBlue and its affiliates and authorize JetBlue to share information about your Program membership with Barclays and its affiliates, to the extent needed to administer the Program and the Account. You also agree that Barclays may share Account information as set forth in Barclays’ Privacy Policy. The Privacy Policy for Barclays is available online at BarclaysUS.com. You agree that as a cardmember you may be auto-enrolled in the TrueBlue Dining Program, which is subject to the TrueBlue Dining Terms and Conditions available online at truebluedining.com. You also agree that JetBlue may share TrueBlue membership account information as set forth in JetBlue’s Privacy Policy available online at jetblue.com/legal/privacy/.

Limitation and Release of Liability
By participating in the Program through use of the Account and accepting TrueBlue points, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge and hold harmless Barclays, JetBlue, 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 through use of the Account or travel taken or use of products purchased in connection with the Program through use of the Account. Barclays has no liability in case of disagreement over issuance of TrueBlue points or a cardmember’s right to possess TrueBlue points.

Important General Program Disclosures
Barclays reserves the right to correct inaccurate TrueBlue values represented on statements or our website, at our sole discretion. We may, at our sole discretion, cancel, modify, restrict, or terminate the Reward Rules or any aspects or features of the Reward Rules at any time without prior notice. All interpretations of the Reward Rules shall be in our sole discretion. Other significant terms may apply. All trademarks and service marks belong to their respective owners. Barclays is not responsible for typographical errors or omissions in this document, website, mobile app, or any marketing materials. TrueBlue points earned through use of the Account cannot be combined with other discount or reward programs unless specifically authorized by us or JetBlue.

JetBlue, JetBlue Card and TrueBlue are trademarks of JetBlue Airways Corporation. The JetBlue Mastercard is issued by Barclays Bank Delaware (“Barclays”) pursuant to a license by Mastercard International Incorporated.  Mastercard is a registered trademark, and the circles design is a trademark of Mastercard  International Incorporated.

Customer Service
If you have any questions about your Account, please contact the Customer Service phone number on the back of your card.     

© 2018 Barclays Bank Delaware (Barclays), Member FDIC.

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