Terms and Conditions

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 AARP Essential Rewards Mastercard from Barclays 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 $39  (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $39 (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.  

Credit Card Program Language Practices: Communications from us are generally available only in English, unless otherwise specifically noted. Telephone customer support is available in Spanish and other languages.

Your Telephone Numbers: By providing your telephone number, at the time you apply or anytime thereafter, you authorize Barclays Bank Delaware and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges may apply.

About This Offer: You must be at least 18 years of age (21 in Puerto Rico). This offer is available to applicants who are residents of the 50 United States, Washington DC, Puerto Rico, and U.S. Virgin Islands. 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 13.49% to 23.49% to the Prime Rate (Maximum APR 29.99%) based on your creditworthiness and other factors. For the cash advance APR, we add 23.99% to the Prime Rate (Maximum APR 29.99%). See your Cardmember Agreement for more detail. The APRs noted above are current as of 09/30/2024 using a Prime Rate of 8.0%.

*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.

How to Avoid Paying Interest on Purchases (excluding Easy Pay):  You can avoid paying interest on purchases if you pay your purchase balance subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount in full by the Payment Due Date every month. If you do not pay your purchase balance subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount by the due date each month, you will pay interest from the date purchases are posted to your account until the date you pay those Purchases in full. 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. If the credit for which you are applying is granted, you must give us your spouse’s name and address by writing to us at Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19899.

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 09/30/2024 and may change after this date.

Information That We Collect & Share About You:
Barclays' Privacy Policy is available online at www.BarclaysUS.com. You agree that AARP^® and Barclays may share information about you and your account to administer the AARP^® Essential Rewards Program in conjunction with the AARP^® Essential Rewards Mastercard^® from Barclays. 

Introductory Bonus Offer:
Earn $200 in bonus Rewards after spending $1,000 on purchases, less credits, returns, and adjustments, within the first 90 days after Account open date.The bonus Rewards will be reflected on the billing statement after you have qualified to earn the bonus.

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AARP^® ESSENTIAL REWARDS MASTERCARD^® FROM BARCLAYS REWARD RULES

This document describes how the AARP® Essential Rewards Mastercard® from Barclays Account rewards work and is an agreement between you and Barclays Bank Delaware. You agree that use of your Account indicates your acceptance of these Reward Rules. In this document, the following words have special meanings:

• "Barclays", "we", "us", or "our" means Barclays Bank Delaware.
• “Card” means any credit card or account number used to access your Account.
• “Account” means your AARP Essential Rewards Mastercard from Barclays credit card account.
• “Cardmember Agreement” means the agreement that establishes the terms of your Account with Barclays that is linked to the Program.
• “Good Standing” means your Account is not in default under your Cardmember Agreement.
• “Net Purchases” means purchases made less credits, returns and adjustments.
• “Program” means your Account rewards program.
• "Reward Rules" means this document which is an agreement between you and Barclays.
• “You", "Your" or "Primary Cardmember" means the person who is responsible for the Account and complying with the Reward Rules.
• Rewards are the Program rewards currency earned for transactions made with your Account.

REWARD RULES ADMINISTRATION
The Program and Reward Rules are administered by Barclays. We reserve the right to modify, amend or terminate the Reward Rules and the Program at any time with or without notice. You can review current Reward Rules any time by logging in to your Account at BarclaysUS.com.

Gift card/eGift cards and merchandise redemptions specific to the aforementioned redemptions are available at BarclaysUS.com on the Shop page.

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

• You must maintain an open Account that is in Good Standing.
• You must be an individual and use your Account only for personal, family or household expenses (corporations, partnerships, and other entities may not participate).

IMPORTANT INFORMATION ABOUT REWARDS

• As long as the Program continues and your Account is open and in Good Standing, there is no limit to the total Rewards you can earn and your Rewards will not expire.
• You may not earn Rewards through the use of your Account during any period in which your Account is past due.
• You will have 90 days from the date your Account is closed to redeem any outstanding rewards if your Account meets the minimum redemption requirement(s), and as long as your Account at the time of closure was not closed for any reasons outlined in the Rewards Forfeiture Section.
• All Rewards earned through the use of your Account will be added to the Primary Cardmember’s Rewards balance. We are not responsible for any disputes you may have with any authorized users on your Account about the Program.
• If you do not receive credit for earned Rewards, please contact customer service using the phone number on the back of your Card.
• You have no property rights or other legal interest in rewards. Rewards amounts have no cash value or value of any kind until they are fully redeemed. Rewards may not be transferred or assigned.
• Participation in the Program is subject to all applicable laws and regulations. The sale or barter of any Rewards earned in the Program other than by us is expressly prohibited.
• You are solely responsible for any taxes that may be owed as a result of Rewards earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclays does not provide tax advice.
• You can view a summary of your Rewards earned through the use of your Account during the billing cycle on your monthly Account statement or by logging in to the Barclays customer service website listed on the back of your Card.

EARNING REWARDS
You earn Rewards for Net Purchases made by you and/or any authorized user(s) of your Account as follows:

3% on Gas and Drug Store Purchases

• You earn 3% in Rewards for every $1 spent on eligible gas and drug store Net Purchases made with your Account. Qualifying gas purchases are defined as automated fuel dispensers and service stations, as identified by the merchant category codes. Qualifying drug store purchases are defined as purchases made at drug stores, as identified by the merchant category code, excluding Target® and Walmart®. Please note, some merchants that sell drug store items, such as, warehouse clubs, grocery stores, discount stores and merchants that sell a limited number of drug items generally do not use the drug store merchant category code.

2% on Medical Purchases

• You earn 2% in Rewards for every $1 spent on eligible medical Net Purchases made with your Account. Qualifying medical purchases are defined as Dentists, Orthodontists, Osteopathic Physicians, Chiropractors, Optometrists, Ophthalmologists, Opticians, Optical Goods & Eyeglasses, Chiropodists, Podiatrists, Hospitals, Medical and Dental Laboratories, Hearing Aids, Ambulance Services, Orthopedic Goods, Prosthetic Devices, Nursing and Personal Care Facilities, Medical Services & Health Practitioners not elsewhere classified (NEC) and Doctors not elsewhere classified (NEC), as identified by the merchant category codes.

1% on all other Purchases

• You earn 1% in Rewards for every $1 spent on all other Net Purchases made with your Account.

Purchases must be submitted by merchants using the merchant category codes (and merchant identifiers) for purchases in the above-specified categories to qualify for the additional Rewards. Barclays is not responsible for incorrectly coded purchases. Additional Rewards 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 Rewards.

Balance transfers, cash advances (including cash equivalent transactions such as, but not limited to, the use of your Card Account to obtain money orders, traveler’s checks, foreign currency, peer to peer payment app transactions and lottery tickets), fees, interest charges and unauthorized/fraudulent purchases are not considered Net Purchases and do not earn Rewards.

BONUS OFFER
From time to time, we may offer bonuses of Rewards or other incentives to cardmembers. You will be provided details when offered. Bonus offer details become part of your Reward Rules.

INTRODUCTORY BONUS OFFER
Your credit offer may contain additional information about qualifying events, exclusions, and restrictions. That information can be found by logging into your Account online and visiting the Rewards and Benefits section or calling the number on the back of your Card. These bonuses and/or incentives are intended for applicants who are not and have not previously been AARP Essential Rewards Mastercard from Barclays  cardmembers. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new AARP Essential Rewards Mastercard from Barclays 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 AARP Essential Rewards Mastercard from Barclays cardmember, we may revoke the bonus or incentive, or reduce your Rewards by the amount of the bonus or incentive or charge your Account for the fair value of the bonus or incentive, at our sole discretion.

REWARDS REDEMPTIONS

• You have the option to redeem your Rewards for a bank deposit to a U.S. checking or savings account, statement credits, gift card/eGift cards, AARP memberships, or merchandise.
• Redemptions start at $25 in Rewards with the exception of the AARP membership redemptions, which start at $16 in Rewards.
• The Primary Cardmember can redeem Rewards, either by phone or by logging in to their Account online. Any authorized user(s) on the Account is able to redeem rewards by phone.
• To redeem, visit BarclaysUS.com or call the number on the back of your Card.
• Barclays is not responsible for unauthorized redemptions on your Account.
• All redemptions are final. Rewards can’t be returned, refunded, exchanged or credited, unless otherwise specified.

STATEMENT CREDIT REDEMPTIONS

• Redemptions for Account statement credits start at $25 in Rewards.
• The credit will be posted to your Account within 1-2 business days and will appear on your Account billing statement within 1 billing cycle.
• Account 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.

DIRECT DEPOSIT REDEMPTIONS

• Redemptions for bank deposits start at $25 in Rewards.
• Bank deposit redemptions will be transferred to the requested U.S. checking or savings account within 3-4 business days.
• There is a $500 daily limit for bank deposit redemptions.

GIFT CARD/EGIFT CARD REDEMPTIONS
To process a gift card redemption, log in to your Account on BarclaysUS.com and visit the Shop Page. Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at BarclaysUS.com on the Shop page.

• Redemptions for gift cards/eGift cards start at $25 in Rewards.
• The selection of gift cards/eGift cards are subject to availability and the number of Rewards needed to redeem for them may change at any time.
• Terms of gift cards/eGift cards redemptions are subject to the rules of the merchant and may be viewed online at BarclaysUS.com at the time of redemption. Each merchant/provider has the right to place restrictions on the use of its gift cards/eGift cards. Gift cards/eGift cards are not exchangeable, refundable, transferable or redeemable for cash, cannot be replaced if lost or stolen and are void where prohibited.
• Once you redeem for an eGift card, you must visit the Rewards Redemption History page at BarclaysUS.com to retrieve your eGift card and to view the requirements for using your eGift card. The eGift card will be available on your Rewards Redemption History page for 12 months from the date of redemption, as long as your Account is open and in Good Standing. If you can no longer access the Rewards Redemption History page or the 12 months has passed, please call the number on the back of your Card for assistance.

AARP MEMBERSHIP REDEMPTIONS
Redemptions for AARP memberships or membership renewals start at $16 in Rewards for an annual membership. You can redeem Rewards to enroll in or renew your AARP membership for one, three, or five years. AARP memberships can also be given as gifts.

• Once you use Rewards to redeem for an AARP membership, you will receive a one-time use membership redemption code and instructions on how to use the code to complete your AARP membership enrollment or renewal.
• If you need assistance completing your AARP membership redemption, please call the number on the back of your Card.
• This benefit is limited to domestic AARP memberships only.

MERCHANDISE REDEMPTIONS
To process a merchandise redemption, log in to your Account on BarclaysUS.com and visit the Shop Page. Additional terms and restrictions apply. For complete details, you can review the Rewards Terms & Conditions at BarclaysUS.com on the Shop page.

• The selection of merchandise items is subject to availability and the number of Rewards needed to redeem them may change at any time.
• Any purchase, price and return protection and extended warranty coverage associated with your Account are not applicable to merchandise redemptions Rewards. The manufacturer’s warranty, if any, applies to items offered. Please check product terms and conditions online at BarclaysUS.com at the time of redemption for additional product information details.
• Merchandise is nonrefundable and nonreturnable.
• Mail Delivery:
  • Merchandise can only be shipped to addresses in the 50 United States, Washington DC and Puerto Rico. 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 these restrictions will be noted in the Item Terms & Conditions for that item.
  • If the merchandise you received is damaged or defective, you must contact the customer service number on the back of your Card immediately and the merchandise 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 the package before credit will be issued or a replacement of the damaged or defective merchandise will be shipped.

REWARDS FORFEITURE
If your Account is closed for any of the following reasons, your Rewards earned will be forfeited if/based upon:

• You or any authorized user(s) on the Account engages in any fraudulent or illegal activity through the use of your Account, as determined by us at our sole discretion.
• You, or any authorized user(s) on the Account engage in any activity that is deemed to be abusive or gaming conduct, as determined by us at 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 account applications/openings, as determined by us at our sole discretion.
• Your history of Account usage.

ADDITIONAL BENEFITS OF YOUR ACCOUNT

AARP Foundation Donation
Through the Essential Connections Powered by Barclays program, Barclays supports and generates a donation to AARP Foundation.

• For every approved Account that is used within the first 90 days of Account opening, Barclays will donate $10 to AARP Foundation.
• For every $1 of qualified card purchases in the following communications categories, as identified by the merchant category codes, Barclays will donate 1% to AARP Foundation:
  • Cable, Satellite and Other Pay Television/Radio/Streaming Services.
  • Telecommunication Equipment and Telephone Sales.
  • Electronics Stores, Key Entry Telecom, Telecommunication Services including but not limited to prepaid phone services and recurring phone services and Computer Network/ Information Services including internet access.
  • Total donations made by Barclays from the AARP Credit Cards from Barclays Program to AARP Foundation will be capped at $1 Million annually.

LIMITATION AND RELEASE OF LIABILITY
By participating in the Program and accepting and using Rewards 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 Barclays and their 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. Barclays is not responsible for unauthorized redemptions on your Account. Barclays has no liability in case of disagreement over issuance of Rewards, items received through redemptions, or a cardmember’s right to redeem or possess Rewards. 

IMPORTANT GENERAL DISCLOSURES
Barclays reserves the right to correct inaccurate Rewards values represented on statements, our website and/or our mobile app, 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 the Reward Rules shall be at our sole discretion. 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, website, mobile app, or any marketing materials. Rewards cannot be combined with other discounts or reward programs unless specifically authorized by us.

PRIVACY POLICY
The Privacy Policy for Barclays is available online at BarclaysUS.com.

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

©2024 Barclays Bank Delaware, Member FDIC.

ARE_ACE_11/2023                                                                                                       BAR-9428-2