Terms and Conditions
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

13.74%17.74%  or 22.74%  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

13.74%, 17.74% or 22.74% when you open your account, 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 27.24%, 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

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. 



Annual Fee


Transaction Fees:


  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater.

  • Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

  • Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:


  • Late Payment

Up to $35  

  • Over-the-Credit-Line


  • Returned Payment

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:

Important Information about the NFL 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.

Special Promotional Financing Offer for NFL Game Ticket Purchase(s) **:

When you use your Extra Points credit card to purchase NFL game tickets from any participating NFL team ticket office, you will be eligible for a special financing offer if the amount that posts to your account is $500 or more (“Qualifying Transaction”).  Qualifying Transactions of $500 or more will be eligible for a 180 day (approximately 6 months) no interest /deferred financing promotion where interest charges will be deferred for 180 days on the qualifying transaction provided that timely payments are made on the account and the applicable Qualifying Transaction is paid in full on or before the 180th day after the applicable purchase date (such end date the “Promotional End Date”).  If the Qualifying Transaction is not paid in full by the Promotional End Date or if you make a late payment, interest charges will be assessed for the entire promotional period at the then applicable rate for Purchases during the promotional period (currently an APR of 13.74%, 17.74% or 22.74%). This APR will vary with the market based on the Prime Rate.  

 **This offer is only available for the purchase of qualifying NFL game tickets processed by a participating NFL team ticket office that post to your account in increments of $500 or more.  Barclays does not control how transactions actually post to your account.  If your NFL game ticket purchase total is not greater than $500 or if your total NFL game ticket purchase is greater than $500 but it is applied to and/or posted on your account in multiple transactions in increments of less than $500, these individual transactions will not be eligible for the deferred interest promotion offer.  Game tickets purchased from any non-NFL team ticket offices will not will not be eligible for the deferred interest promotional offer.

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 the World or Signature team card that I applied for 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 Iowa, 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 World and 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 balance 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.

Information Sharing:
Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays Bank Delaware and the NFL may share information about me and my account to the extent needed to administer the Extra Points Rewards Program.


About the Extra Points Rewards Program:

The following terms and conditions apply to the Extra Points Rewards Program (“Program”). Please read this information carefully. Use of your Extra Points credit card (“Account”) will signify that you have read and agreed to all of the following provisions.

The Account is issued by Barclays Bank Delaware located in Wilmington, Delaware. The words “we”, “us” and “our” refer to Barclays Bank Delaware and its successor firms, subsidiaries or affiliates (collectively “Barclays”).  The words “you” or “Cardmember” means the cardmember, authorized user and any other person authorized to use the Account.  “NFL” refers to the NFL Entities (defined as the National Football League, its Member Clubs, NFL Enterprises LLC, NFL Properties LLC, NFL International LLC, NFL Ventures, Inc., NFL Ventures, L.P., NFL Productions LLC, and each of their respective subsidiaries, affiliates, shareholders, officers, directors, agents, representatives and employees, collectively). The Program is administered by GSI Commerce Solution, Inc. (“GSI”). 

 Earning Points

Cardmembers earn Extra Points (“Points”) in the Program. Cardmembers earn Points in the following amounts:

(A) Points are awarded based on Net Purchases for each NFL and DirecTV® purchase transaction at a rate of two (2) Points per dollar ($1.00) spent based on the merchant category code. Cardmembers will also earn one (1) Point for every dollar ($1.00) spent on all other Net Purchases on the Account. NFL purchase transactions are Net Purchases made at NFLShop.com, participating NFL team retail and online stores and NFL Team stadiums.  DirecTV® purchase transactions are Net Purchases made directly with DirecTV®.  Purchases not eligible to receive the 2 Points per dollar ($1.00) are any purchases that do not fall under these qualifying merchant categories.  We do not determine whether merchants correctly identify and bill transactions as being made (or not made) at any of these designated categories.  Please note that it is possible that some merchant categories may not meet our eligibility criteria.  Additional qualifying merchant categories may be added in the future that will qualify for the 2 Points per dollar ($1.00). 

(B) First Use Bonus Points - After using your Extra Points card to make an initial purchase or balance transfer, you will be eligible to receive a one-time bonus award of twenty thousand (20,000) Points. There is a fee for a Balance Transer.  Bonus Points will be posted at the close of your first billing statement after an initial qualifying purchase or balance transfer is made.   Balance Transfer Checks do not qualify for bonus points

 There is no limit to the amount of Points that you can earn.  Points are not transferable and cannot be transferred or sold.

Redeeming Points 

Points may be redeemed for a variety of rewards.  All rewards selections are subject to availability.  To redeem Points for rewards, Cardmembers should visit mynflcard.com.  Rewards are not replaceable if lost, stolen, destroyed or expired.  Rewards are not returnable, exchangeable, refundable or redeemable for cash or credit under any circumstances. 

Barclays, NFL and GSI have no liability in case of disagreement over issuance of or right to possess rewards or Points and have no further obligation once the reward is issued.


To participate in the 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. You are only eligible to earn Points for family, consumer or household purchases.  Purchases made for business or commercial purposes will not be eligible to earn Points and any such Points earned may be forfeited at our option.

General Program Rules

Points earned are based on the new Net Purchase (“Net Purchases”) which means retail purchases less credits, returns and adjustments that post to the Account each periodic billing cycle. When a purchase or transaction is not a whole dollar amount, any fraction equal to or greater than $0.50 will be rounded up to the nearest whole dollar and any fraction equal to or less than $0.49 will be rounded down to the nearest whole dollar. For example, if a Cardmember makes a purchase in the amount of $49.49, 49 Points will be awarded, but if the transaction amount is $49.50, 50 Points will be awarded.  The following transactions are not considered Net Purchases and do not earn Points: Account fees, interest, convenience checks, balance transfers, cash advances, cash equivalents as defined in your Cardmember Agreement, and purchases made by or for business or commercial purposes. In addition, any Points awarded on purchases that are subsequently returned will be deducted from your total, and your Points balance will be adjusted accordingly.

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.   Any questions regarding eligibility of transactions shall be determined by us in our sole discretion. Previously awarded Points relating to ineligible transactions shall be forfeited.  If Points for credit, returns or other adjustments exceed new purchases during a billing cycle, we will report negative Net Purchases. No retroactive Points will be awarded.

 Barclays and NFL each reserve the right to suspend, modify, cancel, or terminate the Program, in whole or in part, at any time for any reason.

Other Restrictions

You are solely responsible for any taxes that may be owed as a result of Points earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program.

Points have no value except as used in accordance with the Terms and Conditions of the Program.  Barclays reserves the right to disqualify any Cardmember from participating in the Program and to invalidate any or all Points for abuse, fraud or any violation of the Program’s Terms and Conditions.

Currently rewards include certain NFL merchandise, NFL collectibles, and NFL based experiences.  Unless otherwise noted, Cardmembers will be responsible for all travel to and from each experience.  Any Rewards that involve tickets to an NFL football game or the Super Bowl are subject to all standard terms and conditions of NFL tickets, including without limitation terms and conditions on ticket backs and in fan guides.

By participating in the Program, and accepting and using Points earned via the Program, you or any other beneficiary of the Program release, discharge and hold harmless Barclays, NFL, GSI and their respective 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 or travel taken or use of products chosen as a Program reward.

Barclays, NFL nor GSI are not responsible for unauthorized redemptions on your account.

All questions or disputes regarding eligibility for the Program or eligibility for Points for accrual or redemption will be resolved by Barclays in its sole discretion.

From time to time, we may offer bonuses or points or other premiums (for example, First Use Points, First Use Certificates, and Promotional Companion Tickets) to new Barclays NFL Extra Points cardmembers. Unless otherwise stated in the offer, these bonuses and/or awards are intended for persons who are not, and have not previously been, Barclays NFL Extra Points cardmembers.  You understand and agree that, unless we otherwise state, you are no longer eligible to receive these bonuses and/or awards for any new NFL Extra Points account after your first NFL Extra Points credit card account is opened. If you receive a bonus or award for which you are not eligible, we may revoke the bonus or award, or reduce your Points by the amount of the award, or charge your account for the fair value of the bonus or award, at our option.

Questions regarding the Program, including questions about your Point balance may be directed to Barclays Customer Care at 1-866-421-8004.

Neither NFL nor GSI is a party to the Cardholder Agreement. You agree that Barclays may share information regarding your Account, including the account number and transaction information, with NFL or GSI for the purpose of providing customer service to you for the Program.

© 2013 NFL Properties LLC. Team names/logos/indicia are trademarks of the teams indicated.  All other NFL-related trademarks are trademarks of the National Football League.  Other trademarks mentioned in the Rewards catalogue are the property of their respective owners.

We are not responsible for typographical errors or omissions in this document.

©2013 Barclays Bank Delaware

Member FDIC  Equal Housing Lender