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 12/31/2024 using a Prime Rate of 7.5% (Maximum APR 29.99%).

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 12/31/2024 and may change after this date.

Information That We Collect and Share About You:
Barclays Privacy Policy is available online at www.BarclaysUS.com. You agree that JetBlue and Barclays may share information about you and your account to administer the JetBlue TrueBlue Program in conjunction with the JetBlue Business Mastercard.

Introductory Bonus Offer:

Earn 50,000 bonus TrueBlue points after spending $4,000 on purchases, less credits, returns, and adjustments and paying the annual fee in full, both within the first 90 days after Card Account open date. Your annual fee may not be paid in full within the first 90 days of your Card Account open date if you pay only your minimum payment due amount as reflected on your statement each month. Your annual fee is considered paid when you make payments greater than or equal to your annual fee.  The bonus TrueBlue points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus TrueBlue points to be deposited into your Membership account.

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JETBLUE^® WORLD ELITE BUSINESS MASTERCARD^® REWARD RULES

This document describes how the JetBlue World Elite Business 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 JetBlue World Elite Business 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 TrueBlue^® program from JetBlue Airways Corporation which may be referred to as JetBlue.
• “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.
• “TrueBlue points” are the Program rewards currency earned for transactions made with your Card Account.
• “Tiles” are TrueBlue’s system of tracking your progress towards perks and Mosaic status.
• “Membership Account” means a TrueBlue^® Program membership account as established by JetBlue.

Any terms used within this document that are associated directly with JetBlue or the TrueBlue program and not defined above can be found at trueblue.jetblue.com/terms-and-conditions.

JetBlue is solely responsible for establishing the terms and conditions of your participation, TrueBlue points and tiles accumulation, administration, maintenance and redemption in the Program. Terms and conditions of the Program are separate from these Reward Rules and are published by JetBlue at trueblue.jetblue.com/terms-and-conditions. JetBlue 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 jetbluebusinesscard.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 Membership Account is closed, for any reason, your Card Account may be closed.

PROGRAM MEMBERSHIP

• If your Membership Account number was included in the application for the Card Account, we will add that number to your Card Account automatically. We may also use other information on your application to determine if you have a Membership Account. If your email account is already associated with a Membership Account that cannot be attributed to you, you may need to provide another email address to register for the Program or you may not be able to access all perks associated with the Membership Account.
• If the Membership Account number that you provided is found to be invalid or you did not provide us with a Membership Account number, a new Membership Account number will be assigned to you and added to your Card Account.
• You agree that as a cardmember you may be auto-enrolled in the Program, and thereby subject to the applicable terms and conditions available online at trueblue.jetblue.com/terms-and-conditions.
• Only one Membership Account number will be established per Card Account and assigned to the Primary Cardmember on that Card Account.
• If a new Membership Account number is assigned to you, visit jetblue.com to complete your profile and accept the Program Terms & Conditions.
• To earn rewards associated with the TrueBlue program, the cardmember must accept the Program Terms & Conditions.
• TrueBlue points and tiles are only credited to the Primary Cardmember’s Membership Account and not the authorized user(s).

IMPORTANT INFORMATION ABOUT TRUEBLUE POINTS

• As long as the Program continues and your Card Account is open and in Good Standing, there is no limit to the total TrueBlue points you can earn using your Card Account.
• You may not earn TrueBlue points through the use of your Card Account during any period in which your Card Account is past due.
• All TrueBlue points earned through the use of your Card Account will be transferred to the Primary Cardmember’s Membership Account after the close of each Card Account billing statement.
• Your Membership Account is subject to the Program terms and conditions, published on jetblue.com/terms-and-conditions, which includes their expiration and forfeiture policies.
• If you do not receive credit for TrueBlue 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 TrueBlue points. TrueBlue points earned through the use of your Card Account and not yet transferred to JetBlue, have no cash value or value of any kind. After TrueBlue points are transferred to JetBlue, please refer to the Program terms and conditions at jetblue.com/terms-and-conditions for details on the value of TrueBlue points.
• You are responsible for any tax liability related to TrueBlue 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 TrueBlue points offered through the Program, other than by us or JetBlue, is expressly prohibited.
• You can view a summary of your TrueBlue points earned through the use of your Card Account during the billing cycle on your monthly Card Account statement or by logging in to jetbluebusinesscard.com. Your total TrueBlue points balance is available for review by logging in to your Membership Account at com.
• Barclays is not responsible for adding the TrueBlue points or tiles to your Membership Account, for arranging or providing for any goods or services related to the use of TrueBlue points or tiles, for any delay, failure, or refusal by JetBlue to add or redeem TrueBlue points or tiles, or for any decision by JetBlue to revoke or cancel TrueBlue points, tiles or membership in the Program. Once we transfer TrueBlue points earned through the use of your Card Account after the close of each Card Account billing cycle, JetBlue is responsible for adding the TrueBlue points or tiles to your Membership Account.

EARNING TRUEBLUE POINTS

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

6X on JetBlue, JetBlue Vacations and Paisly^® by JetBlue Purchases

• You earn 6 TrueBlue points for every $1 spent on eligible Net Purchases made with your Card Account 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 and JetBlue airport ticket counters). Purchasing TrueBlue points does not qualify as JetBlue Purchases.

• You earn 6 TrueBlue points for every $1 spent on eligible Net Purchases made with your Card Account on tickets, goods and services purchased directly from JetBlue Vacations (“JetBlue Vacations Purchases”). Eligible JetBlue Vacations Purchases are items billed by JetBlue Vacations as merchant of record booked through JetBlue Vacations channels (jetbluevacations.com or JetBlue Vacations packages booked over the phone). Car rentals or hotel reservations purchased outside of a JetBlue Vacations package do not qualify as JetBlue Vacations Purchases.

• You earn 6 TrueBlue points for every $1 spent on eligible Net Purchases made with your Card Account on Paisly^® by JetBlue (Paisly) purchases. Eligible Paisly purchases must be booked directly through paisly.com. Hotel Pay Later Transactions, International Car Rentals, Avis or Budget Car Rentals from select domestic licensee locations, Travel insurance and Fees (resort fees, change/cancel fees, options added after booking, food, airport transfers) do not qualify as eligible Paisly purchases.
• For qualified Domestic Car Rentals with Avis and Budget, 1 TrueBlue point will be earned at the time of payment. You will earn the remaining 5 TrueBlue points 6 – 8 weeks after the return of the Car Rental. For more information visit com/shop/legal/.

2X on Restaurant and Office Supply Store Purchases

• You earn 2 TrueBlue points for every $1 spent on eligible Net Purchases made with your Card Account on goods and services purchased directly at restaurants, as determined by the merchant category codes. Qualifying restaurant purchases are defined as: Restaurants, Bars and Fast Food Restaurants.
• You earn 2 TrueBlue points for every $1 spent on eligible Net Purchases made with your Card Account on goods and services purchased directly at office supply stores, as determined by the merchant category codes. Qualifying office supply store purchases are defined as stand-alone merchants that primarily sell stationery and office supplies for business consumption.

1X on All Other Purchases

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

TrueBlue points earned on Net Purchases will be posted to the Primary Cardmember’s Membership 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 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 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 TrueBlue points.

BONUS OFFER

From time to time, we may offer bonuses of TrueBlue 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 JetBlue World Elite Business 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 World Elite Business 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 JetBlue World Elite Business 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 Card Account for the fair value of the bonus or incentive, at our sole discretion.

REDEEMING TRUEBLUE POINTS

JetBlue manages the Program including TrueBlue points redemption for JetBlue goods and services and fares available for TrueBlue points redemption. You can obtain information regarding the TrueBlue points redemption options through the Program available online at jetblue.com. Barclays manages the Points Payback Redemption option listed below:

Points Payback Redemption

Redeem TrueBlue points to receive a statement credit and pay yourself back for purchases of $25 or more, made within the last 90 days, using your Card Account.

• The statement credit will be posted to your Card Account within 1-2 business days and will appear on your Card Account billing statement within 1 billing cycle.
• Statement credits reduce your Card Account balance but cannot be applied toward any minimum payment requirement and are otherwise subject to the terms and conditions applicable to your Card Account.
• Before using this feature, you must accept the TrueBlue terms & conditions at trueblue.jetblue.com.
• You can log in to your Card Account at JetBlueMastercard.com to redeem.

TRUEBLUE POINTS FORFEITURE

If your Card Account is closed for any of the following reasons, your TrueBlue points earned during that billing cycle but not yet transferred to JetBlue will be forfeited and/or we may request that JetBlue make corresponding adjustments to or invalidate TrueBlue points earned through the use of your Card Account and transferred to your Membership 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

Anniversary TrueBlue Points Bonus

A 5,000 TrueBlue points bonus will be credited to your Membership Account, 4-6 weeks after your Card Account anniversary, as your Card Account remains open and in Good Standing.

Free First Checked Bag

The Primary Cardmember and up to 3 travel companions on the same reservation will each receive their first checked bag free. All ticket purchases (original and exchanges) must be made with the JetBlue World Elite Business Mastercard Card Account and the Primary Cardmember’s Membership Account number must be entered at the time of booking. This benefit is only good on JetBlue-operated flights on fares that do not otherwise include their first checked bag free. This benefit will not be available for travel on codeshare flights booked with a JetBlue flight number but operated by another airline. Applicable overweight and excess baggage fees will apply. For benefit to apply, the Card Account must be open and linked to the Membership Account 7 days prior to air travel and the reservation must include the Primary Cardmember’s Membership Account number on the reservation. If your Card Account is closed for any reason, these benefits will be canceled. This benefit cannot be combined with any existing TrueBlue Program benefits, including any waiver of baggage charges. Please see jetblue.com/at-the-airport/baggage-information for more information on JetBlue’s checked baggage policy including eligible fares, for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

50% Savings on Inflight Food and Drink Purchases

Cardmembers will qualify for a 50% savings on eligible inflight food and drink purchases. Eligible purchases include cocktails, beer, wine, and meals on JetBlue-operated flights when purchased with their Card 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 a Card Account statement credit 4-6 weeks after the transaction is posted to the cardmember’s Card Account.

Get 10% TrueBlue Points After Taking Award Flights

With the award flight (“Award Flight”) redemption bonus, you will receive 10% of your TrueBlue points back as a bonus after you redeem for and travel on a JetBlue-operated Award Flight. For example, if you redeem 20,000 TrueBlue points toward a JetBlue-operated Award Flight, 2,000 of your TrueBlue points will be deposited back into your Membership Account after you take the flight. This Award Flight redemption bonus will be deposited into your Membership Account 4-6 weeks after your JetBlue-operated Award Flight. There is no maximum number of bonus TrueBlue points you can receive annually with this benefit. This bonus only applies to the TrueBlue points redeemed from the Primary Cardmember’s Membership Account. For the benefit to apply, your Card Account must be open at the time of travel on your JetBlue-operated Award Flight.

$100 Statement Credit After Purchasing a Vacations Package

For each calendar year that you purchase a JetBlue Vacations package of $100 or more with your Card Account at jetbluevacations.com or 844-JB-VACAY, you will receive a $100 statement credit. Your purchase must be $100 or more, less returns and credits, to receive this benefit. Limit of one $100 statement credit per calendar year per Card Account. Your Card Account will be billed for the full price of the JetBlue Vacations package. The statement credit will appear 6-8 weeks after the qualifying purchase is posted to your Card Account. Your Card Account will not be eligible to receive the statement credit if it is closed or in default under your Cardmember Agreement at the time of fulfillment.

Group A Boarding

Subject to the following, cardmembers will board before the courtesy and general boarding. The boarding benefit will display on your JetBlue boarding pass as Group A. Up to 4 companions traveling with and listed in the same reservation as the Primary Cardmember are eligible to board at the same time as the Primary Cardmember. For benefit to apply, the Card Account must be open and linked to the Membership Account 7 days prior to air travel and the reservation must include the Primary Cardmember’s Membership Account number on the reservation. If your Card Account is closed for any reason, this benefit will be canceled. This benefit may not be available for travel on codeshare flights booked with a JetBlue flight number but operated by another airline. Please see jetblue.com/help/boarding-procedures for more information.

TrueBlue Loyalty Program / TrueBlue Mosaic^® Status

The Program is JetBlue’s loyalty program which offers the opportunity to build your status level through both spend on your Card Account and at JetBlue. Net purchases made by authorized users on the Primary Cardmember’s Card Account will count toward the Primary Cardmember’s qualifying spend. See jetblue.com for full details on the Program including tiles and how to obtain Mosaic status.

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 JetBlue. You authorize Barclays to share information about your Card Account with JetBlue and its affiliates and authorize JetBlue 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. JetBlue 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. 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. TrueBlue dining program is administered by Reward Network Establishment Services Inc. and not JetBlue; terms of use can be viewed at support.truebluedining.com/hc/en-us/articles/115010225507-Terms-of-Use. For details on how JetBlue may use your information, please see the terms and conditions of the Program at jetblue.com/legal/privacy/.

LIMITATION AND RELEASE OF LIABILITY

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

IMPORTANT GENERAL DISCLOSURES

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

JetBlue, JetBlue Business Card, Vacations, Paisly, TrueBlue and TrueBlue Mosaic are trademarks of JetBlue Airways Corporation. The JetBlue World Elite Business Mastercard Card is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Elite Mastercard for Business, 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.

©2025 Barclays Bank Delaware, Member FDIC.

BJT – 6.2024                                                                                                                                         BAR-9708-7