| 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 nine 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 ($0.50 for residents of Iowa at time of account opening). |
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 | $69 For the Annual Fee World MasterCard
$0 For the No Annual Fee World MasterCard
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Transaction Fees: | |
| Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first nine billing cycles after account opening, either $10 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 (the amount of the fee varies by state, see below) |
| $0 |
| Up to $35 (the amount of the fee varies by state, see below) |
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)."
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:
Fees that Vary by State:
Late Payment Fee: Up to $35 ($15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 ($15 for residents of Iowa at time of account opening).
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 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:
Barclays' Privacy Policy is available online at www.TravelocityMasterCard.com. I agree that Barclays Bank Delaware and Travelocity may share information about me and my account to the extent needed to administer the Reward Program.
Travelocity Rewards Program:
A) The Travelocity Rewards Program (the "Program") is offered by Barclays Bank Delaware ("Barclays") in partnership with Travelocity.com, to active Travelocity Rewards MasterCard Cardmembers in good standing. Barclays and Travelocity are solely responsible for establishing the terms and conditions of your participation and subsequent points accumulation in the program, and reserves the right to modify, amend or terminate the Program regulations at any time.
B) Upon application approval, and provided that your Travelocity Rewards MasterCard Account (the "Account") remains open and current, you will earn Travelocity Points on the Net Purchases charged to your Account during a billing cycle as provided for herein. You will be able to redeem Travelocity Points for statement credits on purchases at Travelocity.com, as set forth below. If your Account is not open and/or current, you will not be eligible to earn or redeem points. If your Account is closed (whether by you or by us) you will lose all outstanding points and unredeemed credits. Points will expire forty-eight (48) months from the date they are earned.
C) "Net Purchases" for a billing cycle are determined by totaling all new Purchases added to the Account during the billing cycle and subtracting all returned purchases and/or adjustments. If you receive Travelocity Points for returned purchases and/or adjustments we will subtract the points for those adjustments that posted to the Account during the period. For purposes of reporting Net Purchases, we may round up or down to the nearest dollar. If points for returned Purchases exceed new Purchases during a billing cycle, we will report negative Net Purchases. Net Purchases do not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances or non-qualifying Balance Transfers, whether received from financial institutions, automated teller machines, by use of Barclays Bank checks, or by any other means. We reserve the right to exclude from Net Purchases unauthorized Purchases and purchases which are added to your Account after you are past due or over limit. We may withdraw Travelocity 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.
D) For Cardmembers that choose the $69 Annual Fee World MasterCard: Cardmembers will receive four (4) Travelocity Points for every one dollar ($1.00) of Net Purchases made with your Account on Travelocity.com. Two (2) Travelocity Points will be awarded for every one dollar ($1.00) of Net Purchases made everywhere else with your Account. The primary Cardmember will also receive 5,000 bonus points that will be awarded at the close of a Cardmember's first billing statement when a first purchase or balance transfer is made.
For Cardmembers who choose the No Annual Fee World MasterCard and Platinum MasterCard Cardmembers: Cardmembers will receive two (2) Travelocity Points for every one dollar ($1.00) of Net Purchases made with your Account on Travelocity.com. One (1) Travelocity Point will be awarded for every one dollar ($1.00) of Net Purchases made anywhere else with your Account. The primary Cardmember will also receive 2,500 bonus points that will be awarded at the close of a cardmember's first billing statement in which the first purchase or balance transfer is made.
E) Cardmembers may redeem Travelocity Points for the following Account statement credits when they purchase travel, services, and products on Travelocity.com:
Redeem 5,000 Travelocity Points for a $50.00 statement credit, or
Redeem 7,500 Travelocity Points for a $100.00 statement credit, or
Redeem 20,000 Travelocity Points for the cost of an airline ticket or Flight + Hotel Package up to a maximum credit of $400.00.
Statement credits will be reported on your monthly Account statement for the billing cycle in which your Travelocity purchase is posted. All award redemptions will be final at the time you make your Travelocity purchase or booking and request to redeem Reward points. In the event that your Travelocity travel or purchase is cancelled, postponed, or returned, neither Barclays or Travelocity.com will be responsible for refunding to your account the points redeemed or debiting to your account the credit redeemed. Barclays and Travelocity.com are not responsible for unauthorized Reward redemptions on your account.
F) Travelocity is not a party to the Credit Card Cardmember Agreement between you and Barclays, 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 Barclays to share information about your Account (including name and contact information) with Travelocity to the extent needed to administer the Program. You also agree that we may share Account information as set forth in Barclay's Privacy Policy.
Balance Transfer Points: Cardmembers will earn one Travelocity Point per $1 in balances transferred to your Travelocity Rewards MasterCard requested in the first 30 days after you open your account, up to a maximum of 5,000 points.
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