Terms and Conditions

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)".

Terms and Conditions Continued:

Important Information about the Barclaycard CashForward MasterCard Credit Card Program: Offers may vary. Please carefully review the reward benefits (such as cash rewards and how cash rewards are earned), interest rates and account fees and terms of this particular offer before applying.

Agreement: The use of any account opened in connection with this offer will constitute acceptance of and will be subject to the Cardmember Agreement that will be sent to you. The APRs, fees, and other account terms, as well as the benefits and features associated with the account are subject to change to the extent permitted by law.  

++Your Telephone Numbers:  By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize us and our affiliates and agents, to contact you at that number about your account or other products or services, and to use an automated dialing service, pre-recorded message or text message. Standard text messaging and/or calling charges may apply.

About This Offer: You must be at least 18 years of age. This offer may not be available if you have requested or applied for an account with us in the past 90 days. Depending on our review of your application and credit history, we will assign a credit line of at least $250. This offer is non-transferable. If we receive your application after the expiration date or the name or address stated on the offer differs from the information you submit to us, we will treat this application as a non-pre-selected application. 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 the 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 not be able to open an account for you. Please review the materials provided with your card for details.   

PRE-SCREEN & OPT-OUT NOTICE: This "pre-screened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not continue to meet those criteria, or any applicable criteria bearing your credit worthiness that cannot be based on information included in your credit report.  If you do not want to receive pre-screened offers of credit or insurance from this and other companies, call the consumer reporting agencies toll-free 1-888-567-8688; visit optoutprescreen.com; or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Experian Opt-Out, P.O. Box 919, Allen, TX 75013; or TransUnion Name Removal, P.O. Box 505, Woodlyn, PA 19094-0505.

About Your Credit Report: You agree that we have a right to obtain a credit report in connection with our review of your application, and if we establish an account for you, to administer your account.  You agree that we may report to others our credit experience with you. If you ask, we will tell the names and addresses of any credit bureaus from which we obtained a report about you. 

About the Variable APRs on Your Account: We use the highest Prime Rate listed in the The Wall Street Journal on the last business day of each month. For the non-promotional purchase and balance transfer APR, we add 11.74% to the Prime Rate. For the cash advance APR, we add 21.99% to the Prime Rate. See your Cardmember Agreement for more detail. The APRs noted above are current as of 09/30/2024 using a Prime Rate of 8.0%.

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 country of citizenship.

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 from. 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 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 account, 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.

Avoiding Interest on Purchases: We will not charge you interest on any purchases if you pay your entire balance by the due date each month. In addition, during this introductory period we will not charge you interest on purchases if you pay by the due date each month your outstanding statement balance minus any new 0% introductory APR Balance Transfer balances. To avoid a late fee, you should pay at least the minimum payment due on your account each month.

Credit Limit: We do not permit applicants to request a specific credit limit. We do not consider a request for a balance transfer made with an application to be a request for a particular credit limit. We determine the credit limit on your account independent of and prior to processing any balance transfer request.

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 your Cardmember Agreement for details.

New York Residents: New York residents may contact the New York State Department of Financial Services by telephone (800) 342-3736, or visit the website, www.dfs.ny.gov, for free information on comparative credit card rates, fees and grace periods. 

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.

Notice to Married Wisconsin Residents: No marital property agreement, unilateral statement or court decree under Wisconsin's marital property law will adversely affect our interests unless before your account is opened, you give us a copy of the agreement, statement or decree or we have actual knowledge of it.  You understand that we may be required to give notice of this account to your spouse.

About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware (Barclaycard), located in Wilmington, DE. Any 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. 

Express Delivery: If you are approved for an account your card will be sent via next day FedEx delivery after your account is opened if your request for express delivery is made before 3:00pm ET of that day. If the request is made after 3:00pm ET delivery will be made the following day. Delivery will be made only to your home address and a signature is required. If you added an additional card user(s) on your application the additional card(s) cannot be expressed delivered.

The information contained in these disclosures is accurate as of 09/30/2024 and may change after this date.

Privacy Policy

Barclays' Privacy Policy is available online at www.BarclaycardUS.com.

REWARD RULES

Barclaycard CashForward™ MasterCard^® Rewards Program Rules

This document contains the official Rewards Program Rules (“Reward Rules”) for the Barclaycard CashForward Account issued by Barclays Bank Delaware (“Barclaycard”, “we”, “us”, or “our”) and includes important conditions and limitations of the rewards program associated with the Barclaycard CashForward Account (the “Program”). “You”, “your” or “primary cardmember” means the person who applied for the Account. Use of your Barclaycard CashForward MasterCard ("the Card") constitutes your acceptance of each of the terms described below. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Cardmember Agreement.  Please read these Reward Rules and keep this document in a safe place.

Program Administration

The Program is administered Barclaycard located in Wilmington, DE. Barclaycard’s Privacy Policy is available online at BarclaycardUS.com. Barclaycard is responsible for establishing the terms and conditions of the Program and reserves the right to modify, amend, or terminate the Reward Rules and the Program at any time, with or without notice.

Gift cards/certificates are administered by Loyalty Edge, Inc. (“Loyalty Edge”) an independent company not affiliated with Barclaycard.

To qualify for participation in the Program:

• You must maintain an open Account that is not in default under your Cardmember Agreement with us.
• Your Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments, and no transactions.
• You must be an individual (corporations, partnerships, and other entities may not participate) and use the Account only for personal, family or household expenses.
• You must not engage in any illegal activity through the use of your Account or engage in activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion.

If you do not qualify for participation in the Program, your enrollment in the Program may be cancelled and any unredeemed cash rewards may be forfeited.

Earning Cash Rewards

• You earn cash rewards for retail purchases less credits, returns, and adjustments (“Net Purchases”) made by you and/or any Authorized User(s) of the Card.
• You earn 1.5% cash rewards for every $1 of all Net Purchases made using your Account.
• Cash rewards earned will be rounded to the nearest cent. For example, if you make a purchase in the amount of $49.49, your cash rewards of $0.742 will be rounded to $0.74 cash rewards. Likewise, if you make a purchase in the amount of $49.75, your cash rewards of $0.746 will be rounded to $0.75 cash rewards.
• Balance transfers, Cash Advances (including Cash Equivalent transactions such as, but not limited to, the use of your Card or Account number to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges, and unauthorized/fraudulent transactions do not earn cash rewards.
• There is no limit to the total cash rewards you can earn as long as the Program continues and the Account is open, active and in good standing.
• Barclaycard reserves the right, at its sole discretion, to disqualify any cardmember from participating in the Program and to forfeit any or all cash rewards earned for abuse, fraud, or any violation of the Reward Rules.

$200 Cash Rewards Bonus

• You will receive a one-time $200 cash rewards bonus after you spend $500 in net retail purchases, within the first 90 days of account open date, that are not later returned, disputed or rescinded. The Cash Rewards Bonus will be reflected on the billing statement in which you have qualified to earn the bonus.

Redeeming Cash Rewards

• You have the option to redeem your cash rewards for a deposit to a U.S. checking or savings account, a statement credit or for gift cards.
• Cash rewards redemptions start at $50.00.
• To redeem, visit BarclaycardUS.com or call the number on the back of your Card. 
• There is no limit to the total cash rewards you can redeem as long as the Program continues and your Account is open, active, and in good standing; however, please note the daily limit on direct deposits described in the section below titled “Deposits into U.S. Checking or Savings Account”.
• The primary cardmember can redeem cash rewards, either over the phone or by logging into his/her online account.  Authorized Users on the account are able to redeem cash rewards over the phone. 
• Barclaycard is not responsible for unauthorized redemptions on your Account.

Deposits into U.S. Checking or Savings Account

• Redemptions for direct deposits into U.S. checking or savings accounts start at $50.00.
• Deposits will be transferred to the requested bank account within three to four (3-4) business days.
• There is a $500 daily limit for cash rewards redemptions deposited into U.S. checking or savings accounts. 

Statement Credits

• Redemptions for statement credits start at $50.00.
• If you redeem your cash rewards for a statement credit, the credit will be posted to your Account within one to two (1-2) business days.
• Statement credits reduce your Account balance but cannot be applied toward any minimum payment requirement and are otherwise subject to the terms and conditions applicable to your Account.

Gift Cards/Certificates

• Redemptions for gift cards start at $50.00.
• The selection of gift cards are subject to availability and the number of cash rewards needed to redeem for them may change at any time.
• You may redeem cash rewards for gift cards/gift certificates shipped to addresses in the 50 United States, Puerto Rico and the Virgin Islands.  Items cannot be shipped internationally or to P.O., A.P.O., F.P.O. boxes, or Guam.  Certain items may have shipping restrictions outside of the 48 contiguous United States and the District of Columbia and these restrictions will be noted in the terms & conditions for that item.
• You may choose to have gift cards delivered to an address other than your Account billing address by updating the shipping information during the check-out process, but addresses cannot be changed after an order has been submitted.  You can also choose to have redemption email confirmations delivered to an email address other than the one on file at Barclaycard by updating this information in the check-out process.  Changing address or email address as part of the check-out process will not change the information on file at Barclaycard; it will only be used for that order.
• Certain items may be eligible for expedited shipping. Expedited shipping fees cannot be paid with cash rewards and must be paid with a major credit or debit card. The transaction description that will show on your credit or debit card statement for these fees will be “Rewards Redemption Center”. 
• Items ordered at the same time may arrive separately.
• Terms of gift card and/or e-certificate redemptions are subject to the rules of the merchant that may be viewed online.  Each merchant/provider has the right to place restrictions on the use of its gift cards or gift certificates. Gift cards or gift certificates are not exchangeable, refundable, transferable or redeemable for cash, cannot be replaced if lost or stolen and are void where prohibited.
• Gift cards/e-certificates must be presented to the participating merchant for redemption, use, and the delivery of goods and services.  Items paid for by redeeming gift cards/ e-certificates will be subject to sales tax as provided by the applicable law of the jurisdiction in which the purchase is made. Sales tax, if applicable, will be a charge against the value of the gift cards or gift certificates or will require a separate supplemental payment. 
• Tickets are nontransferable and do not include activities/events separately priced. Tickets will be mailed and arrive within ten (10) business days of your redemption. Water parks are subject to seasonal or weather closures. Age restrictions may apply for access to certain facilities.  Please see the terms and conditions of your specific item online for full details.

5% Cash Rewards Redemption Bonus

Every time you redeem, get a 5% cash rewards redemption bonus to use towards your next redemption.  For example, if you redeem $300 cash rewards, you will earn a $15 cash rewards redemption bonus to use toward your next redemption.

• Cash rewards redemption bonuses are added to your Account within one (1) business day after your redemption is processed.
• Cash rewards redemption bonuses are earned every time you redeem, regardless of if you redeem for deposits into U.S. checking or savings accounts, statement credits, and/or gift cards. 
• Cash rewards redemption bonuses will be rounded to the nearest cent. For example, if you redeem $325.25 cash rewards, your cash rewards redemption bonus of $16.262 will be rounded to $16.26. Likewise, if you redeem $325.75 cash rewards, your cash rewards redemption bonus of $16.287 will be rounded to $16.29. 

Important Information about Cash Rewards

• As long as your Account remains open, active, and in good standing, your cash rewards will not expire.
• All cash rewards earned by the primary cardmember and any Authorized User(s) will be added to the primary cardmember’s cash rewards balance.
• You have no property rights or other legal interest in cash rewards. Cash rewards have no cash value or value of any kind until they are fully redeemed.
• Cash rewards may not be transferred or assigned.
• In the event of any abusive, gaming, or fraudulent activity related to the Program, as determined by us in our sole discretion, we reserve the right to make corresponding cash rewards adjustments to your Account and/or to close your Account at any time.
• The Program is subject to all applicable laws and regulations. The sale or barter of any cash rewards or items received through redemption as part of the Program, other than by us, is expressly prohibited.
• You are solely responsible for any taxes that may be owed as a result of cash rewards earned and/or redeemed. Please consult your tax advisor if you have tax questions about the Program. Barclaycard does not provide tax advice.

Cash Rewards Restrictions

You may not earn or redeem cash rewards during a billing cycle in which any of the following occur:

• You fail to make the minimum payment due by the payment due date.
• Your Account becomes delinquent.
• Your Account is otherwise in default under your Cardmember Agreement with us. (You fail to keep your Account in good standing.)
• You or any Authorized User on the Account, engage in fraudulent activity on this Account.
• You, or any Authorized User on the Account, engage in any illegal activity through the use of the Program or engage in activity that is deemed to be abusive or gaming conduct under the Program, as determined by us in our sole discretion.

Cash Rewards Forfeiture

You may forfeit your cash rewards if any of the following occur:

• Your Account becomes seriously delinquent, as determined by Barclaycard at its sole discretion.
• You or we close your Account for any reason.
• You or any Authorized User on the Account, engage in fraudulent activity on this Account.
• Your Account is otherwise in default under your Cardmember Agreement with us. (You fail to keep your Account in good standing.)
• You, or any Authorized User on the Account, engage in any illegal activity through the use of the Program, or engage in activity that is deemed to be abusive or gaming conduct under the Program, as determined by us in our sole discretion. 

Limitation and Release of Liability

By participating in the Program and accepting and using cash rewards earned through the Program, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge, and hold harmless Barclaycard and its 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 or travel taken or use of products purchased in connection with the Program. Barclaycard is not responsible for unauthorized redemptions on your Account. Barclaycard has no liability in case of disagreement over issuance or redemption of cash rewards or a cardmember’s right to possess cash rewards or make redemptions.

Important General Program Disclosures

All trademarks and service marks belong to their respective owners. We are not responsible for typographical errors or omissions in this document. Cash rewards cannot be combined with other discount or reward programs unless specifically authorized by us.

We reserve the right to correct inaccurate rewards values represented on statements or our website, at our sole discretion.

We may, at our sole discretion, cancel, modify, restrict, or terminate the Reward Rules and the Program or any aspects or features of the Program at any time without prior notice. All interpretations of Reward Rules shall be at our sole discretion.

Customer Service

If you have any questions about the Program, please contact the customer service phone number on the back of your Card.