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 Frontier 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 $40  (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $40 (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 authorize Barclays to obtain credit reports and other information about you from credit reporting agencies and other sources 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 12.74% to  22.74% to the Prime Rate (Maximum APR 29.99%) based on your creditworthiness and other factors. For the cash advance APR, we add 22.99% 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 Frontier Airlines and Barclays may share information about you and your account needed to administer the Frontier Airlines MyFrontier^SM Miles program in conjunction with the Frontier Airlines World Mastercard^®.

Introductory Bonus Offer:
Earn 55,000 bonus Miles after your first purchase, less credits, returns, and adjustments, within the first 90 days after Card Account open date. The bonus Miles will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Miles to be deposited into your FRONTIER Miles^SM Account.

Application Bonus Miles:
New applicants earn 500 bonus Miles for submitting an accurate and complete application. This bonus Miles offer is valid for first-time applicants only and may not be accessible elsewhere. Other offers for the Frontier Airlines Mastercard may vary. This offer may be canceled at any time without notice. Please allow 10-12 weeks for bonus Miles to be deposited into your FRONTIER Miles^SM Account after you submit your application.

Elite Gold Status:
Earn instant Elite Gold Status after your first purchase, less credits, returns and adjustments, within the first 90 days after Card Account open date. You must spend $3,000 in Net Purchases within the first 90 days after Card Account open date to maintain Elite Gold Status for 12 months from Card Account open date.

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FRONTIER AIRLINES MASTERCARD^® REWARD RULES

This document describes how the Frontier Airlines Mastercard Card Account rewards work and is an agreement between you and Barclays Bank Delaware. You agree that use of your Card 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 Card Account.
• “Card Account” means your Frontier Airlines Mastercard credit card account.
• “Cardmember Agreement” means the agreement that establishes the terms of your Card Account with Barclays that is linked to the Program.
• “Good Standing” means your Card Account is not in default under your Cardmember Agreement.
• “Net Purchases” means purchases made less credits, returns and adjustments.
• “Program” means the FRONTIER Miles^SM program from Frontier Airlines.
• "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 Card Account and complying with the Reward Rules.
• “Miles” are the Program rewards currency earned for transactions made with your Card Account and may be referred to as Travel Miles.
• “Membership Account” means a FRONTIER Miles^SM Account as established by Frontier Airlines.

Frontier Airlines is solely responsible for establishing the terms and conditions of your participation, Miles accumulation, administration, maintenance and redemption in the Program. Terms and conditions of the Program are separate from these Reward Rules and are published by Frontier Airlines at flyfrontier.com/myfrontier/terms-and-conditions.com. Frontier Airlines reserves the right to change the Program, including its terms and conditions, at any time with or without prior notice, including by providing additional terms and conditions in connection with promotional activity related to the Program.

CARD ACCOUNT REWARD RULES ADMINISTRATION

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

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

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

PROGRAM MEMBERSHIP 

• If your Membership Account number was included on your application, we will add that number to your Card Account automatically.
• If the Membership Account number that you provided is found to be invalid, or you did not provide a Membership Account number, a search for your FRONTIER Miles Membership Account will be done. If none is found, a new FRONTIER Miles Membership Account number will be assigned to you.
• Only one Membership Account number will be established per Card Account, and assigned to the Primary Cardmember on that Card Account.

IMPORTANT INFORMATION ABOUT MILES

• As long as the Program continues and your Card Account is open and in Good Standing, there is no limit to the total Miles you can earn using your Card Account.
• You may not earn Miles through the use of your Card Account during any period in which your Card Account is past due.
• All Miles earned through the use of your Card Account will be transferred to the Primary Cardmember’s Miles Program Account after the close of each Card Account billing statement.
• Your Program Account is subject to the Program terms and conditions, published on com/myfrontier/terms-and-conditions, which includes their expiration and forfeiture policies.
• If you do not receive credit for Miles earned via purchases made with your Card Account, please contact customer service using the number on the back of your Card. If you have questions once Miles are posted to your Membership Account, please contact Frontier Airlines online at flyfrontier.com.
• You have no property rights or other legal interest in Miles. Miles earned through the use of your Card Account and not yet transferred to Frontier Airlines, have no cash value or value of any kind. After Miles are transferred to Frontier Airlines, please refer to the Program terms and conditions at com/myfrontier/terms-and-conditions for details on the value of Miles.
• You are responsible for any tax liability related to Miles earned.
• Participation in the Program through the use of your Card Account is subject to all applicable laws and regulations. The sale or barter of any Miles offered through the Program, other than by us or Frontier Airlines, is expressly prohibited.
• You can view a summary of your Miles earned through the use of your Card Account during the billing cycle on your monthly Card Account statement or by logging in to BarclaysUS.com. Your total Miles balance is available for review by logging in to your Program Account at flyfrontier.com.
• Barclays is not responsible for adding the Miles to your Membership Account, for arranging or providing for any goods or services related to the use of Miles, for any delay, failure, or refusal by Frontier Airlines to add or redeem Miles, or for any decision by Frontier Airlines to revoke or cancel Miles or membership in the Program. Once we transfer Miles earned through the use of your Card Account after the close of each Card Account billing cycle, Frontier Airlines is responsible for adding the Miles to your Program Account.

EARNING MILES

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

5X on Frontier Airlines Purchases

• You earn 5 Miles for every $1 spent on eligible Net Purchases made with your Card Account on tickets, goods and services purchased directly from Frontier Airlines (“Frontier Purchases”). Eligible Frontier Airlines Net Purchases are items billed by Frontier Airlines as merchant of record booked through Frontier Airlines channels (flyfrontier.com, Frontier Airlines reservations, Frontier onboard purchases and Frontier Airlines airport and city ticket counters). Products or services that do not qualify are car rentals, hotel stays, Frontier Airlines Vacations packages, and duty free items.

3X on Restaurant Purchases

• You earn 3 Miles for every $1 spent on eligible Net Purchases made with your Card Account on restaurant purchases. Qualifying restaurant purchases are categorized as: Restaurants, Bars and Fast Food Restaurants.

1X on all other Purchases

• You earn 1 Mile for every $1 spent on all other Net Purchases made with your Card Account.

Miles earned on Net Purchases will be posted to the Primary Cardmember’s Program Account 4-6 weeks following earning activity.

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 Miles. Barclays and Frontier Airlines are not responsible for incorrectly coded purchases. Additional Miles 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 Miles.

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 Miles.

BONUS OFFER

From time to time, we may offer bonuses of Miles 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 Card 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 Frontier Airlines Mastercard cardmembers. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new Frontier Airlines Mastercard Card Account after this Card 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 Frontier Airlines Mastercard cardmember, we may revoke the bonus or incentive, or reduce your Miles by the amount of the bonus or incentive or charge your Card Account for the fair value of the bonus or incentive, at our sole discretion.

REDEEMING MILES

Frontier Airlines manages the Program including redemption. You can obtain information regarding the redemption options available online at flyfrontier.com/myfrontier/frontier-miles/use-miles/.

MILES FORFEITURE

If your Card Account is closed for any of the following reasons, your Miles earned during that billing cycle but not yet transferred to Frontier Airlines will be forfeited and/or we may request that Frontier Airlines make corresponding adjustments to or invalidate Miles earned through the use of your Card Account and transferred to your Program Account if/based upon:

• You or any authorized user(s) on the Card Account engage in any fraudulent or illegal activity through the use of your Card Account, as determined by us at our sole discretion.
• You or any authorized user(s) on the Card 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 a Card 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 Card Account usage.

ADDITIONAL BENEFITS

$100 Frontier Airlines Flight Voucher

Earn a $100 Frontier Airlines flight voucher (“Voucher”) after your Account anniversary when you have spent $2,500 or more in Net Purchases on your Card Account during your cardmembership year (each 12-month period through and including your Card Account anniversary date). The flight voucher expires 180 days from date of issue. The Voucher will be issued approximately 6-8 weeks after the Card Account anniversary date, provided your Card Account is open at the time of Voucher issuance. The Voucher will be delivered via email to the Primary Cardmember’s email address on file with Barclays and will also be available by logging into the Primary Cardmember’s online Card Account at BarclaysUS.com. The Voucher is only redeemable online at flyfrontier.com and is for one-time use only. The Voucher value will be applied to the total price of any one purchase and may be used for payment toward Frontier Airlines airfare and associated taxes; however, the Voucher cannot be used to pay for applicable fees (which will be incurred based on the fare type selected and services requested and may include bag fees, seat assignment and change fees to any reservation changed after ticketing), GoWild Pass memberships, Elite Status Offers or Discount Den® memberships. The Voucher is only valid toward travel on Frontier Airlines operated flights. Flight must be booked before the Voucher expiration date; however, the flight may take place after the Voucher expiration date. The Voucher has no cash value and may not be refunded, sold, bartered or traded. Lost, stolen or otherwise destroyed Vouchers will not be replaced. Tickets purchased with the Voucher, once issued, are non-transferable, non-refundable and may not be re-sold. The Voucher cannot be used in conjunction with other coupons, promotions, Frontier Airlines gift cards or forms of payment other than a major credit card. If the ticket price is greater than the value of the Voucher, the difference may be paid with a credit card. If the ticket price is less than the value of the Voucher, the Voucher will not retain the remaining value for use in another transaction.

Award Redemption Fee Waiver

Award redemption fees assessed by Frontier Airlines will be waived for the Primary Cardmember when award tickets are reserved using Miles from the cardmember’s Program Membership Account. All applicable fees/taxes (starting from $5.60 for a one-way ticket) must be paid using the Frontier Airlines Mastercard at the time of award booking. Frontier Airlines is solely responsible for waiving the award redemption fee. Please visit flyfrontier.com for full details on award redemption fees.

Priority Boarding

Cardmembers will receive boarding priority and "ZONE 2" will be displayed on the member's boarding pass so long as they are logged into their Program Membership Account when booking their flight, or had their Membership Account number added to their reservation. All "ZONE 2" passengers board after military passengers, elite status members, "Meet and Assist”, passengers with disabilities, or passengers with children under the age of 5, who need extra time down the jet way and ZONE 1 passengers. Only the Primary Cardmember is eligible for this benefit. 

Account Pooling

Account Pooling is the ability to consolidate multiple related parties’ Miles for the purposes of increased rewards redemption. Cardmembers have the option to participate in Account Pooling, which allows one Primary Cardmember (“pool member”) and up to 8 pool friends and family members (“pool contributors”) to combine Miles, making mileage redemption more in reach. Participation is subject to the Program Terms and Conditions. For more information and specific Account Pooling terms, please visit flyfrontier.com/myfrontier/terms-and-conditions/#Family_Pooling.

Earn Toward Elite Status

Elite Status offers additional benefits when you meet specific thresholds by spending with your Frontier Airlines Mastercard Card Account. To achieve status by spending, the Primary Cardmember may earn one Elite Status Point (“Point”) for each dollar of Net Purchases that post to the cardmember’s January through December billing statements.

Points earned are in addition to the Miles earned for Net Purchases made using the Frontier Airlines Mastercard Card Account. Net Purchases made by authorized users through additional cards on the Primary Cardmember’s Frontier Airlines Mastercard Card Account will earn Points and count toward the Primary Cardmember’s qualifying spend. Elite Status benefits will not apply until the cardmember reaches the minimum for each mileage tier. Benefits apply on all new bookings but not on previously booked travel. Points earned will post to the Primary Cardmember’s Program Membership Account 4-6 weeks after qualifying purchases have posted. Points earned with the Frontier Airlines Mastercard Card Account qualify toward the Primary Cardmember’s Miles Program Elite Status earning requirements once earned, for the remainder of the calendar year, plus the following full calendar year, subject to the terms and conditions of the Program. Other promotional offers may be available. Full details on Elite Status and qualifications are available at flyfrontier.com/myfrontier/terms-and-conditions/#Elite_Status.

All benefits are contingent upon logging in to your Program Membership Account at flyfrontier.com when booking flights or providing your Program Membership Account number to the agent upon booking. Benefits are determined based on membership status at the time of booking and any ancillary product purchased prior to reaching a specific status is non-refundable if status is reached after those options are purchased.

This benefit may not be achievable based on the assigned credit line and ability to maintain that credit line.

RESPONSIBILITY OF THE PARTIES/INFORMATION SHARING/PRIVACY POLICY

Barclays has no authority regarding the Program and is not responsible for any goods or services offered by Frontier Airlines. You authorize Barclays to share information about your Card Account with Frontier Airlines and its affiliates and authorize Frontier Airlines to share information about your Program membership, to the extent needed to administer the Program and your Card Account. You also agree that Barclays may share Card Account information as set forth in Barclays Privacy Policy. The Privacy Policy for Barclays is available online at BarclaysUS.com. Frontier Airlines is not a party to the Cardmember Agreement between you and Barclays, does not participate in any extension of credit, has no authority regarding your Card Account and is not responsible for any goods or services offered by Barclays. For details on how Frontier Airlines may use your information, please see the terms and conditions of the Program at flyfrontier.com/myfrontier/terms-and-conditions.

LIMITATION AND RELEASE OF LIABILITY

By participating in the Program through the use of your Card Account and accepting and using Miles, and other benefits earned through the use of your Card Account, you (on your behalf and on behalf of any person to whom you give the benefits from the Program through the use of your Card Account) release, discharge and hold harmless Barclays, Frontier Airlines, 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 through the use of your Card Account or travel taken or use of products purchased in connection with the Program through the use of your Card Account. Barclays has no liability in case of disagreement over issuance of Miles, items received through redemptions, or a cardmember’s right to redeem or possess Miles.

IMPORTANT GENERAL DISCLOSURES

Barclays reserves the right to correct inaccurate Miles 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 Card Account Reward Rules or any aspects or features of the Card Account Reward Rules at any time without prior notice. All interpretations of the Card Account Reward Rules shall be at 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. Miles earned through the use of your Card Account cannot be combined with other discounts or reward programs unless specifically authorized by us or Frontier Airlines.

Frontier Miles^SM is a registered trademark of Frontier Airlines. The Frontier Airlines Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.

CUSTOMER SERVICE

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

©2024 Barclays Bank Delaware, Member FDIC.

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