|Interest Rates and Interest Charges|
Annual Percentage Rate (APR) for Purchases
13.99% or 24.99% 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 twelve billing cycles after the account is opened.
After that, your APR will be 13.99% or 24.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
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.
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 this reason, the Penalty APR may apply indefinitely.
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 Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first twelve billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).
Either $10 or 5% of the amount of each cash advance, whichever is greater.
3% of each transaction in U.S. dollars.
Up to $35 (the amount of the fee varies by state, see below)
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:
Important Information about the Good Sam Club 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 $35 (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 (Up to $15 for residents of Iowa at time of account opening).
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 Signature account that I may be approved for a Platinum account.
About This Offer: You must be at least 18 years of age. This offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories, and may not be available if you already have or have had an account with us. 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 may be unable to open an account for you, or you may receive a Platinum card. Platinum benefits differ from Signature benefits. Please review the materials provided with your card for details.
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 01/30/2014 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. We also ask for your country of citizenship.
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.
Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays 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.
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 to. 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 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. Balance transfers are subject to availability. We may deny balance transfer requests at any time and for any reason.
Paying Interest on Balance Transfers and Cash Advances:
We charge interest on balances transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge you interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues.
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 the Cardmember Agreement that will accompany your credit card upon account opening for more details.
The information contained in these disclosures is accurate as of 01/30/2014 and may change after this date.
About the REC REWARDS ProgramSM Program
The REC REWARDS Program Membership Fee: None
Transaction Charges: $25.00 Redemption Fee for airline tickets
No Redemption Fee for all other rewards
Bonus Points Promotion: Cardmembers will be awarded 2,500 bonus points upon first use of their Good Sam Visa card with REC REWARDS for a purchase or balance transfer. These bonus points will appear on your account on the next billing cycle after the qualifying transaction is made.
Effective on September 10, 2010, to continue to participate in the REC REWARDS Program, your account must remain open and in good standing, you must maintain your creditworthiness and you must use your card for at least one (1) purchase transaction every six (6) months (or have some type of account balance every six months). Failure to meet these requirements may result in account closure and/or forfeiture of all outstanding points earned. In addition, if your payment is late in a particular billing cycle, this may result in the forfeiture of points earned in that billing cycle. If your points are forfeited for any reason, we will not reinstate these points to your account.
Barclays Bank Delaware (‘Barclays’) the issuer of the credit card, reserves the right to approve, deny or revoke membership in the REC REWARDS Program (or the “Program”) to any individual for any reason whatsoever. Membership will be renewed automatically each year as long as account is in good standing, unless Cardmember notifies Barclays of cancellation.
Terms and Conditions
The Program Terms are separate from the terms of your Cardmember Agreement; however, any Claim arising from participation in the Program is subject to the Arbitration provisions of your Cardmember Agreement. From time to time we may change the Program Terms. When any change is made, changes will be posted as revisions at www.barclaycardus.com and/or you will be notified in writing, as applicable. It is your responsibility to review the Program Terms at www.barclaycardus.com to be aware of any changes. The Program is administered by TSYS Loyalty, an independent company that is not affiliated with Barclays Bank Delaware ('Barclays') or Affinity Group, Inc. Barclays reserves the right to alter, change, or terminate any Program feature or benefit prospectively or retroactively, including, without limitation, participation fees, point accrual or redemption criteria, and to cancel or temporarily suspend the program at any time without notice.
Cardmembers will earn five (5) points for every one dollar ($1.00) of Net Purchases spent on Good Sam related products and services. 'Good Sam eligible purchases,' are defined as products and services purchased from Affinity Group, Inc. and its affiliates and partners, including but not limited to the following: Good Sam, Camping World, Coast to Coast, Woodall's, Ehlert Publishing Group, Camp Club USA, TL Enterprises, AGS Publishing, and GMAC. Please see rewards brochure for complete information regarding eligible purchases and merchants. Cardmembers will be eligible to earn three (3) points for every $1 spent on transactions made at establishments that classify their merchant location to Visa/MasterCard as “Campground or Trailer Park Purchases”. Cardmembers will earn one(1) point for every one dollar ($1.00) of Net Purchases made anywhere else. 'Net Purchases' shall mean purchases of goods and services made by Cardmember or any authorized user of such account minus any returns or refunds. Cardmembers do not earn points on balance transfers, convenience checks, cash advances and unauthorized charges, unless specified otherwise. Points are not earned for fees of any kind, such as finance charges, late payment fees, annual fees, over limit fees, balance transfer fees, convenience check fees, cash advance fees, and Rewards Program fees. Changes made to the above list are at the sole discretion of Barclays.
Questions as to what constitutes program eligibility or a qualifying transaction, as well as any exceptions, are at the sole discretion of Barclays. Barclays reserves the right to verify and adjust points at any time prior to or following posting and redemption.
There is no maximum accumulation of points earned on Net Purchases per calendar year. Point accrual will begin upon the open date of the account. No retroactive points will be awarded. Points are considered earned when they are posted to the redemption system. Points will be updated daily. Points may take up to 5 to 10 days to be posted following a qualifying purchase.
Points will be awarded and can be redeemed for REC REWARDS only if the Cardmember maintains his/her account in good standing. Barclays has the right not to award points if your account is not in good standing. Points will expire 4 years from the end of the billing cycle in which they were earned. Points earned are not transferable, have no cash value and cannot be used as payment of obligations to Barclays.
You can buy points in increments of 1,000 points for $30 through the Redemption Center by calling 1-866-918-5218 Points purchases are not eligible to earn points. There is no cap on the annual amount of points that can be purchased. Purchase of points must be charged to your Good Sam Visa card.
You may redeem points for most Rewards on our website, www.barclaycardus.com. All redemptions and inquiries should be directed to the Redemption Center using the following toll free number, 1-866-918-5218. TSYS Loyalty Redemption Specialists are available to help you redeem points for Rewards and answer redemption-related questions from 9AM - 8PM ET. TSYS Loyalty's Redemption Center will be closed the following holidays: New Year's Day, Memorial Day, Independence Day (July 4th), Labor Day, Thanksgiving Day, and Christmas Day.
Redeemed rewards are not refundable, replaceable, or transferable for cash, credit, other rewards, or points under any circumstances. Barclays and participating merchants are not responsible for replacing lost, stolen, or mutilated gift certificates, gift cards, or tickets.
All rewards are subject to availability. Certain rewards are available only during the time periods described in the Program communications. Merchants participating in the Program are subject to change. Some rewards have limited availability. Substitutions that we deem to be of equal or greater value may be necessary. Country of item's origin may change. Some merchandise rewards cannot be shipped to addresses that are outside the United States.
We reserve the right to modify or cancel any reward at any time. Points, rewards, and certificates have no value except as used in accordance with the Terms and Conditions of the Program and of the rewards suppliers.
All redemption rewards will be sent to Cardmember's statement mailing address unless otherwise authorized by Barclays. Allow 4-6 weeks for delivery of the redeemed Reward. In certain circumstances the delivery time may be longer. Expedited delivery of a reward is available for some items upon request. There is a fee associated with this service
Any additional travel or accommodation arrangements made in connection with any reward will be your sole responsibility. Certificates/Cards are valid at participating merchants only through the expiration date printed on the certificate/card. Certificates/Cards must be surrendered at redemption, and no photocopies of certificates/cards will be honored. Certificates/Cards have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash unless otherwise noted on the certificate/card. Use of any certificate/card is subject to any additional restrictions listed on the certificate/card.
Determination and payment of tax liability related to participation in the Program are the sole responsibility of the Cardmember.
The REC REWARDS Program is void where prohibited by federal, state or local law. Fraud or abuse relating to the accrual of points or redemption of rewards may result in forfeiture of accrued points as well as cancellation of membership in the Program.
The Cardmember is responsible for payment of any Passenger Facility Charges, air segment taxes, departure taxes, Customs fees, excess baggage charges or any other charges assessed by governmental entities or airlines as a result of travel under this program.
Neither Barclays nor TSYS Loyalty is responsible for disputes between the Cardmember and its employees or any third party reward recipients relating to points redemption and reward distribution.
Barclays reserves the right to add, modify or eliminate any of the Program's Terms and Conditions including terminating the Program or eliminating the right to redeem points at any time, without notice.
Every effort has been made to ensure that the information provided is accurate. Barclays and TSYS Loyalty are not responsible for errors or omissions.
TSYS Loyalty operates as an independent contractor and is not affiliated with Barclays. Neither Barclays nor TSYS Loyalty shall be liable for any bodily harm and/or property damage, or consequential damages that may result from participation in the Program or of any provider's provision of or failure to provide any of the services or benefits of the program, for any reason.
TSYS Loyalty assumes all liability and responsibility for the provision of, or failure to provide the stated services defined as administrative services, travel reservations, and issuance of travel documentation.
Void where prohibited by federal, state or local law.
©2013 Barclays Bank Delaware