Terms and Conditions

Note: This account may not be eligible for Balance Transfers.

**The Prime Rate used in determining the APRs used on your Account each billing cycle is the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month. The variable APRs, which are subject to a minimum APR, are current as of 09/30/2024 using a Prime Rate of 8.0% (Maximum APR 29.99%).

Qualifying Wyndham Timeshare Purchases: Qualifying Wyndham Timeshare Purchase means all Wyndham timeshare down payments as identified by the merchant identification number provided by Wyndham. Barclays is not responsible for purchases that have an incorrect merchant identification number.

Barclays Bank Delaware ("Barclays") reserves the right to change the APR and other Charges as described above after your Account is opened, and in accordance with the Business Card Agreement and Delaware law. Barclays reserves the right to change at any time the benefits and features associated with your card or Account after your Account is opened.  We will allocate payments to lower APR balances before higher APR balances.

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.

Authorization: When you (the "Signing Individual") submit this Application for this business credit card account (the "Account") from Barclays Bank Delaware, located in Wilmington, Delaware, you agree to the following: (1) that you are either a sole proprietor or an authorized representative, owner, officer, partner, or agent of the business identified on the Application (the "Business"); (2) that you are at least 18 years of age and a permanent resident of the United States, and have truthfully and completely provided the information on this Application; (3) you have reviewed and accept the terms and conditions provided on this Application; (4) the use of any Account opened or any card issued in connection with this offer will constitute your acceptance of and will be subject to the terms and conditions of the Business Card Agreement that will be sent to you with your card(s);(5) the cards and the Account will be used solely for business purposes and will not be used for personal, family or household purposes; (6) you and the Business are jointly and severally liable for all charges on the Account (which means that you are personally liable for all amounts due on the Account);  (7) you certify that you have the authority to permit us to issue cards containing the Business name; and (8) you understand that the terms of the Account are subject to change as provided in the Business Card Agreement.

About Your Credit Report: You agree that Barclays has the right to obtain credit reports and other information about you and your business in connection with our review of your Application and, subsequently, in connection with a requested charge to your Account, the renewal of your Account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each credit reporting agency from which we obtained a credit report about you or your business

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, address, date of birth, and other information that will allow us to identify you. We may also ask to see copies of identifying documents.

Omission: Omission of any information requested on this Application may result in a denial of credit.

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.

Offer Availability: This offer is available only to applicants who are permanent residents of the United States, with the exception of Puerto Rico. This offer may not be available to you if you already have a credit card account with Barclays.

Credit Performance: After your Account is opened, we will periodically review your credit performance. If you do not maintain your credit performance with us, we may change your Account terms.

Dispute Resolution: You agree that any dispute between us will be resolved by binding Arbitration.

Transferring Your Balances. Here's How it Works: Upon approval of your Application we will provide you with your Business Card Agreement.  If you requested a Balance Transfer at the time you applied, to the extent permitted by your credit line, we will process the Balance Transfer to the credit card account you have requested (minimum $100, maximum $20,000).  Only balances from other business credit card accounts or other business related expenses may be transferred. We reserve the right to round up your requested Balance Transfer amount to the nearest whole dollar amount. The credit available on your Account will be reduced by the amount of the Balance Transfer and any related fees. Your other credit card account(s) will not be closed, even if you have paid your entire balance. You must contact the other credit card company to close your other account. We reserve the right to decline to process any Balance Transfer request. We will not process a request to transfer a balance from any other account you may have with us or our affiliates. It is possible that your credit line amount may be lower than the Balance Transfer(s) requested. If this should occur, we will process Balance Transfers up to $250 below the available credit. There is a fee for Balance Transfer unless the offer states otherwise. A Balance Transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the Balance Transfer appears on the other account(s) as a credit.  You should not transfer the amount of any disputed purchase or other charge on the other account.  If you do so, you may lose your dispute rights as to that transaction.

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.Wyndhambusinesscard.com. You agree that Wyndham and Barclays may share information about you and your account to administer the Wyndham Rewards Program in conjunction with the Wyndham Rewards^® Earner^SM Business Card. 

Introductory Bonus Offer:

Earn 40,000 bonus Points after spending $4,000 on purchases, less credits, returns, and adjustments excluding timeshare down payment purchases from Wyndham Vacation Resorts, Inc., Wyndham Resort Development Corporation, Shell Vacations, LLC, and related developer affiliates and partners, within the first 90 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account.

Earn 40,000 bonus Points after spending a total of $15,000 on purchases, less credits, returns, and adjustments excluding timeshare down payment purchases from Wyndham Vacation Resorts, Inc., Wyndham Resort Development Corporation, Shell Vacations, LLC, and related developer affiliates and partners, within the first 365 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account.

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WYNDHAM REWARDS EARNER^® BUSINESS CARD REWARD RULES

This document describes how the Wyndham Rewards Earner^® Business 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 Wyndham Rewards Earner^® Business 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 Wyndham Rewards Program from Wyndham Rewards, Inc. an indirect subsidiary of Wyndham Hotel Group, LLC, which may be referred to as Wyndham.
• "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.
• “Points” are the Program rewards currency earned for transactions made with your Card Account.
• “Wyndham Rewards Member Account” means a Wyndham Rewards Program account as established by Wyndham.

Any terms used within this document that are associated directly with Wyndham and not defined above can be found at WyndhamRewards.com/terms.

Wyndham is solely responsible for establishing the terms and conditions of your participation, Points accumulation, administration, maintenance and redemption in the Program. Terms and conditions of the Program are separate from these Reward Rules and are published by Wyndham at WyndhamRewards.com/terms. Wyndham 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 Wyndhambusinesscard.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.
• If your Wyndham Rewards Member Account is closed, for any reason, your Card Account may be closed.

PROGRAM MEMBERSHIP

• If your existing Wyndham Rewards Member Account number was included in the application, you are already enrolled in the Program. Points earned through the Card Account will be credited to your Wyndham Rewards Member Account.
• If the Wyndham Rewards Member Account number that you provided is found to be invalid, or you did not provide us with the Wyndham Rewards Member Account number, you consent to and will be enrolled in the Program and a new Wyndham Rewards Member Account number will be assigned to you.
• Only one Wyndham Rewards Member Account number will be applied per Card Account.

IMPORTANT INFORMATION ABOUT POINTS

• As long as the Program continues and your Card Account is open and in Good Standing, there is no limit to the total Points you can earn using your Card Account.
• You may not earn Points through the use of your Card Account during any period in which your Card Account is past due.
• All Points earned through the use of your Card Account, will be transferred to the Primary Cardmember’s Wyndham Rewards Member Account after the close of each Card Account billing statement.
• Your Wyndham Rewards Member Account is subject to the Program terms and conditions, published on com/terms, which includes their expiration and forfeiture policies.
• If you do not receive credit for Points earned via purchases made with your Card Account, please contact customer service using the number on the back of your Card.
• You have no property rights or other legal interest in Points. Points earned through the use of your Card Account and not yet transferred to Wyndham, have no cash value or value of any kind. After Points are transferred to Wyndham, please refer to the Program terms and conditions at com/terms for details on the value of Points.
• You are responsible for any tax liability related to Points 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 Points offered through the Program, other than by us or Wyndham, is expressly prohibited.
• You can view a summary of your Points earned through the use of your Card Account during the billing cycle on your monthly Card Account statement or by logging in to com. Your total Points balance is available for review by logging in to your Wyndham Rewards Member Account at WyndhamRewards.com or by calling 866- WYN-RWDS (866-996-7937).
• Barclays is not responsible for adding the Points to your Wyndham Rewards Member Account, for arranging or providing for any goods or services related to the use of Points, for any delay, failure, or refusal by Wyndham to add or redeem Points, or for any decision by Wyndham to revoke or cancel Points or membership in the Program. Once we transfer Points earned through the use of your Card Account after the close of each Card Account billing cycle, Wyndham is responsible for adding the Points to your Wyndham Rewards Member Account.

EARNING POINTS

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

8x on Participating Hotels by Wyndham and Gas Purchases

• You earn 8 Points for every $1 spent on eligible Net Purchases made with your Card Account at participating Hotels by Wyndham (“Hotels by Wyndham”) (e.g., those purchases that appear on your folio for the stay). Echo Suites^SM Extended Stay by Wyndham hotels do not participate in the Wyndham Rewards Program; stays and purchases made at such hotels are ineligible for the benefits described in this advertisement. For more information, please call Wyndham Rewards Member Services at 866-WYN-RWDS (866-996-7937).
• You earn 8 Points for every $1 spent on eligible Net Purchases made with your Card Account on gas. Qualifying gas purchases are defined as automated fuel dispensers and service stations, as identified by the merchant category codes.
  
  

5x on Marketing, Advertising and Utility Purchases

• You earn 5 Points for every $1 spent on eligible Net Purchases made with your Card Account on marketing, advertising and utilities. Qualifying marketing and advertising service purchases include but are not limited to purchases from Google Ad Words, Facebook, and other digital advertising platforms; merchants that prepare and place advertising in various media (newspapers, radio, television); coupon and/or sample distribution; and other marketing and advertising purchases as identified by the merchant category codes. Qualifying utility purchases are defined as telecommunications services, cable, satellite, electric, gas, heating oil and water, as identified by the merchant category code.
  
  

1x on all other Purchases

• You earn 1 Point for every $1 spent on all other Net Purchases made with your Card Account (excluding timeshare down payment purchases to Wyndham Vacation Resorts, Inc., Wyndham Resort Development Corporation, Shell Vacations, LLC, and related developer affiliates and partners).

Points earned on Net Purchases will be posted to the Primary Cardmember’s Wyndham Rewards Member 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 Points. Barclays and Wyndham Rewards, Inc. are not responsible for incorrectly coded purchases. Additional 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 Points.

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 Points.

BONUS OFFER

From time to time, we may offer bonuses of Points 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 in to 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 Wyndham Rewards Earner^® Business cardmembers. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new Wyndham Rewards Earner^® Business 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 Wyndham Rewards Earner^® Business cardmember, we may revoke the bonus or incentive, or reduce your Points 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.

POINTS REDEMPTIONS

Wyndham manages the Program including redemption. You can obtain information regarding the redemption options available by calling 866- WYN-RWDS (866-996-7937) or online at WyndhamRewards.com.

POINTS FORFEITURE

If your Card Account is closed for any of the following reasons, your Points earned during that billing cycle but not yet transferred to Wyndham will be forfeited and/or we may request that Wyndham make corresponding adjustments to or invalidate Points earned through the use of your Card Account and transferred to your Wyndham Rewards Member 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 OF YOUR CARD ACCOUNT

Wyndham Membership Level Benefits

The Primary Cardmember will receive Wyndham Rewards Diamond Level in his or her Wyndham Rewards Program membership. This benefit is not available to authorized users through the Wyndham Rewards Earner^® Business Card. Please allow 2-8 weeks after Card Account opening for this update to be made to the Primary Cardmember’s Wyndham Rewards Program membership. Subject to the Wyndham Rewards Terms & Conditions, the Primary Cardmember will continue to receive Wyndham Rewards Diamond Level through the Wyndham Rewards Earner^® Business Card as long as the Card Account is open and in Good Standing. Wyndham reserves the right to change or cancel the member level program and benefits at any time with or without notice. For details on the Terms and Conditions of the Wyndham Rewards Program levels and benefits, please visit WyndhamRewards.com/levels.

Anniversary Bonus Points

You will earn 15,000 bonus Points each anniversary year. The bonus will be reflected on the billing cycle date of the month after your Card Account anniversary month. Please allow 8-12 weeks for bonus Points to be added into your Program account after the qualifying bonus Points have posted to your Card Account. The bonus will be reflected on the billing statement in which you have qualified to earn the bonus. This offer may be canceled at any time without notice.

Cardmember Redemption Discount

You will receive a 10% redemption discount when redeeming Wyndham Rewards Points for Go Free^® Award Nights. For more information on this redemption discount, visit WyndhamRewards.com/terms/cardmembergofree for additional details.

Wyndham Rewards Cardmember Rate

You will receive an additional discount when booking the Wyndham Rewards Member Rate at participating properties; for more information, please visit WyndhamRewards.com/terms/cardmemberrate for additional details.

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 Wyndham. You authorize Barclays to share information about your Card Account with Wyndham and its affiliates and authorize Wyndham 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. Wyndham 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 Wyndham may use your information, please see the Wyndham Privacy Notice at wyndhamhotels.com/about-us/privacy-notice-more-info and terms and conditions of the Program at WyndhamRewards.com/terms.

LIMITATION AND RELEASE OF LIABILITY

By participating in the Program through the use of your Card Account and accepting and using Points, 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, Wyndham 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 Points, items received through redemptions, or a cardmember’s right to redeem or possess Points.

IMPORTANT GENERAL DISCLOSURES

Barclays reserves the right to correct inaccurate Points 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. Points earned through the use of your Card Account cannot be combined with other discounts or reward programs unless specifically authorized by us or Wyndham.

Wyndham, Wyndham Rewards Earner^® Business Card and Wyndham Rewards Program are trademarks of Wyndham Hotels & Resorts, Inc. The Wyndham Rewards Earner^® Business Card is issued by Barclays Bank Delaware pursuant to a license by Visa U.S.A. Inc. Visa is a registered trademark under license from Visa U.S.A. Inc.

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.

BWY – 10/2023                                                                                                                         BAR-9465-6