| Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchases | 13.24%, 16.24% or 19.24% when you open your account, based on your credit worthiness.
This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 0% introductory APR for the first six billing cycles after account opening.
After that, your APR will be 13.24%, 16.24% or 19.24% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
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APR for Cash Advances | 21.99% This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | Up to 30.24%, based on your creditworthiness. This APR may be applied to your account if you: - Make a late payment;
- Go over your credit limit;
- Make a payment that is returned; or
- Do any of the above on another account you have with us.
This APR will vary with the market based on the Prime Rate. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will no longer apply to existing balances if you make the next 6 consecutive payments when due. The Penalty APR will apply to other balances indefinitely.
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How to Avoid Paying Interest on Purchases | Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $2.00 |
For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees |
Annual Fee | $0 |
Transaction Fees: | |
| Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $5 or 3% of each transfer, whichever is greater; the maximum fee per transfer: $50, after that no maximum). |
| Either $10 or 3% of the amount of each cash advance, whichever is greater. |
The purchase of a money order, travelers' check, foreign currency, lottery ticket, gambling chips, or wire transfer is a cash advance
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Either $10 or 3% of the amount of each transaction, whichever is greater.
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| 3% of each transaction in U.S. dollars. |
Penalty Fees: | |
| Up to $35 |
| $0 |
| Up to $35 |
How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)".
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.
Terms and Conditions Continued:
Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement. I agree that if I am not approved for a World account that I may be approved for a Platinum account.
About Your Application and This Offer: Depending on our review of your application and your credit history or if the income you report is insufficient based on your current obligations, we may be unable to open an account for you, or you may receive a World or Platinum card. Platinum benefits differ from World benefits. You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit. This offer is available only to applicants who are permanent residents of the United States, with the exception of Iowa and Puerto Rico.This offer may not be available to you if you already have or have had a Credit Card account with us.
About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.
Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.
About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, 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 consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.
How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 06/24/2010 using a Prime Rate of 3.25%.
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.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.
Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15 or 16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. Upon approval of your application we will provide you with your Cardmember Agreement and to the extent permitted by your credit line we will process the requested balance transfer payment to the credit card account(s) which you have requested. If the total amount you request exceeds the assigned credit line on this account, we may either decline the request or send a partial payment to your creditor(s) in the order you provided them to us. The amount of available credit on this account will be reduced by the amount of the balance transfer 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 and they do not have the same charge back rights as transactions conducted with a credit card.
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 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, please call the phone number on the back of your new credit card once you are approved.
The information contained in these disclosures is accurate as of 06/24/2010 and may change after this date.
Information Sharing:
The Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays Bank Delaware and VEGAS.com will share information to the extent needed to administer the VEGAS.com Rewards Program in conjunction with the VEGAS.com MasterCard.
Important Information Regarding the VEGAS.com Frequent Vegas Points Rewards Program
Rewards under this program are administered by VEGAS.com. Rewards are earned on purchases made with your VEGAS.com MasterCard. The following transactions are excluded from "Purchases" and do not earn rewards unless specified: convenience checks, balance transfers, cash advances and credit card fees. Rewards are also not earned on returns made on your account. Your account must remain open and in good standing to receive rewards offered under this program. Good standing means you are not in default under the cardmember agreement.
On the closing date of each billing cycle that your Account remains open and current, we will report to VEGAS.com the Net Purchases charged to your Account during a billing cycle. If your Account is not open and/or current on the date a billing cycle closes, we will report no Net Purchases to VEGAS.com for that billing cycle. Barclays will ask that Points be issued to the Primary Cardmember, regardless of who made the "Purchase." "Net Purchase" Points for a billing cycle are determined by totaling all new Purchases added to the Account during the billing cycle, and then subtracting Points posted to the Account during the period for returned Purchases and/or adjustments. For purposes of reporting Net Purchases, we may round up or down to whole dollar amounts. If Points for returned Purchases exceed new Purchases during a billing cycle, we will report negative Net Purchases and ask VEGAS.com to reduce the Primary Cardmembers accrued Points accordingly. Net Purchases does not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances, whether received from financial institutions, automated teller machines, by use of Barclays checks, or by any other means. Barclays reserves the right to exclude from Net Purchases unauthorized Purchases, Purchases which are added to your Account after you are past due or over limit. We may ask VEGAS.com to withdraw Points previously awarded if your Account is more than sixty (60) days past due, or if the Points were awarded on Purchases not authorized by you. Barclays is not responsible for issuing Points under the Program, arranging or providing for any services related to travel or the use of Points, for any delay, failure, or refusal by VEGAS.com to issue or redeem Points, or for any decision by VEGAS.com to revoke or cancel Points or membership in the Program.
Barclays will show on your credit card monthly Account statement the Primary Cardmembers accrued Points as reflected in our records. You understand that there will be a delay between the date you make a Purchase, the date we report Net Purchases to VEGAS.com, and the date VEGAS.com posts information to your Frequent Vegas Points Rewards account. For this and other reasons, our records and the records of VEGAS.com regarding the Primary Cardmembers accrued Points may differ. You understand and agree that Points are not received by the Primary Cardmember until posted to Members account by VEGAS.com. In the event of any discrepancy between our records and VEGAS.com records of the Primary Cardmembers accrued Points, the records of VEGAS.com will control. Points accrued in your VEGAS.com Frequent Vegas Points Rewards account expire after 36 months of non-activity.
There are two earnings rates. Cardholder(s) earn one (1) Frequent Vegas Point for every one dollar in new net retail purchase transactions (purchases less credits, returns, and adjustments) made with the Card anywhere it is accepted. Cardholder(s) earn two (2) Frequent Vegas Points for every one dollar in new net retail purchase transactions (purchases less credits, returns, and adjustments) made with the Card on the VEGAS.com site (may include VEGAS.com retail locations).
After using the Card to make an initial purchase you will be eligible to receive a one-time bonus award of two thousand (2,000) Frequent Vegas Points. Bonus Frequent Vegas Points are credited to your account approximately 6-8 weeks after you qualify.
All Rewards are subject to availability. Frequent Vegas Points may be redeemed at www.FrequentVegasPoints.com or by telephoning VEGAS.com at 1-800-851-1640. Upon verification of your redemption request, VEGAS.com will deduct the appropriate number of Frequent Vegas Points from your total Points balance. All products, services or travel arrangements obtained with Points are non-cancellable, and non-refundable, non-returnable and non-transferable. Any cancellation or no-show attributable to the Member or the designated user of the Reward will not result in the reinstatement of Points. In the event of cancellation by the Service Provider, Points may be reinstated by contacting the Rewards Center.
Rewards are subject to the terms and conditions of the VEGAS.com Frequent Vegas Points program. Terms and conditions of this program, including conditions of participation for rewards, may be changed, added, or deleted at any time, in whole or in part, in accordance with the VEGAS.com Frequent Vegas Points program rules, and without notice to VEGAS.com MasterCard cardmembers. This means that Barclays, VEGAS.com may change, terminate, withdraw, limit, modify or cancel any earning opportunity or travel reward, increase the Frequent Vegas Points required for any reward, or limit the number of hotel rooms, shows and other Vegas travel products and merchandise available without notice to you.
VEGAS.com is not a party to the Credit Card Cardmember Agreement between you and Barclays, VEGAS.com does not participate in any extension of credit and has no authority regarding the Account. Barclays is the sole creditor and owner of the Account. You authorize us to share information about your account with VEGAS.com to the extent needed to administer the VEGAS.com Frequent Vegas Points Rewards Program. You also agree that we may share Account information as set forth in our Privacy Policy.
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