Terms and Conditions

Rates and Fees

Annual Percentage Rate (APR) for Purchases

17.49% variable or 21.49% variable, depending on our review of your application and credit history.

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

17.49% variable or 21.49% variable, depending on our review of your application and credit history. 

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

26.74%

This APR will vary with the market based on the Prime Rate.

Variable Rate Information

Your APR may vary. The rate is determined monthly by adding the Prime Rate and:

  • 12.74% or 16.74% for Purchases and this rate will not be lower than 12.74% or 16.74% respectively.
  • 12.74% or 16.74% for Balance Transfers and this rate will not be lower than 12.74% or 16.74% respectively. 
  • 21.99% for Cash Advances and Convenience Checks and this rate will not be lower than 21.99%. 

See explanation below.**

Grace Period

At least 20 days Grace Period for Purchases from the Statement Closing Date on your periodic statement (provided you pay your previous balance in full by the due date). The Grace Period does not apply to Cash Advances, Balance Transfers or Convenience Checks.

Minimum Finance Charge

$1.00

Method of Computing the Balance for Purchases

Average Daily Balance (including new purchases)

 

Fees

Annual Fee

$99

Transaction Fees:

 

  • Balance Transfer

Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Cash Advance

Either $10 or 3% of the amount of each cash advance, whichever is greater.

  • Convenience Check

Either $5 or 3% of the amount of each Check, whichever is greater.

  • Foreign Transaction

0% of the U.S. Dollar amount.

Penalty Fees:

 

  • Late Payment

For Account balances less than $250: $19.   For Account balances equal to or greater than $250: $39.

  • Returned Payment

 $39

  • Returned Convenience Check

 $39

  • Over-the-Credit-Line

 $0

  • Stop Convenience Check Payment

 $29

  • Electronic Payment

 $15

  • Administrative

$3 for Statement Copy
$5 for other documents
Research - $15 per hour

**The Prime Rate used in determining the APRs used on your Account each billing cycle is the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month. The variable APRs, which are subject to a minimum APR, are current as of 04/30/2018 using a Prime Rate of 4.75%.

Barclays Bank Delaware ("Barclaycard") reserves the right to change the APR and other Charges as described above after your Account is opened, and in accordance with the Business Card Agreement and Delaware law. Barclaycard reserves the right to change at any time the benefits and features associated with your card or Account after your Account is opened.  We will allocate payments to lower APR balances before higher APR balances.

Authorization: When you (the "Signing Individual") submit this Application for this business credit card account (the "Account") from Barclays Bank Delaware, located in Wilmington, Delaware, you agree to the following: (1) that you are either a sole proprietor or an authorized representative, officer, partner, employee or agent of the business identified on the Application (the "Business"); (2) that you are at least 18 years of age and a permanent resident of the United States, and have truthfully and completely provided the information on this Application; (3) you have reviewed and accept the terms and conditions provided on this Application; (4) the use of any Account opened or any card issued in connection with this offer will constitute your acceptance of and will be subject to the terms and conditions of the Business Card Agreement that will be sent to you with your card(s);(5) the cards and the Account will be used solely for business purposes and will not be used for personal, family or household purposes; (6) you and the Business are jointly and severally liable for all charges on the Account (which means that you are personally liable for all amounts due on the Account);  (7) you certify that you have the authority to permit us to issue cards containing the Business name; and (8) you understand that the terms of the Account are subject to change as provided in the Business Card Agreement.

About Your Credit Report: You agree that Barclaycard has the right to obtain a current consumer and business credit report in connection with our review of your Application and, subsequently, in connection with a requested charge to your Account, 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 credit reporting agency from which we obtained a credit report about you or your business

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, address, date of birth, and other information that will allow us to identify you. We may also ask to see copies of identifying documents.

Omission: Omission of any information requested on this Application may result in a denial of credit.

Your Telephone Number: By providing your telephone number, at the time you apply or anytime thereafter, you authorize Barclaycard 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, prerecorded messages or text messages. Standard text messaging and/or calling charges may apply.

Offer Availability: 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 a credit card account with Barclaycard.

Credit Performance: After your Account is opened, we will periodically review your credit performance. If you do not maintain your credit performance with us, we may change your Account terms.

Dispute Resolution: You agree that any dispute between us will be resolved by binding Arbitration.

Transferring Your Balances. Here's How it Works: Upon approval of your Application we will provide you with your Business Card Agreement and, to the extent permitted by your credit line, process the Balance Transfer to the credit card account which you have requested (minimum $100, maximum $20,000). Only balances from other business credit card accounts or other business related expenses may be transferred. We reserve the right to round up your requested Balance Transfer amount to the nearest whole dollar amount. The credit available on your Account will be reduced by the amount of the Balance Transfer and any related fees. Your other credit card account(s) will not be closed, even if you have paid your entire balance. You must contact the other credit card company to close your other account. We reserve the right to decline to process any Balance Transfer request. We will not process a request to transfer a balance from any other account you may have with us or our affiliates. It is possible that your credit line amount may be lower than the Balance Transfer(s) requested. If this should occur, we will process Balance Transfers up to $250 below the available credit. There is a fee for Balance Transfer unless the offer states otherwise. 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(s) as a credit.  You should not transfer the amount of any disputed purchase or other charge on the other account.  If you do so, you may lose your dispute rights as to that transaction.

Information Sharing:  Barclaycard’s Privacy Policy is available online at jetbluebusinesscard.com. You agree that Barclaycard and JetBlue may share information about you and your account to the extent needed to administer the JetBlue Business Card in conjunction with the JetBlue TrueBlue Program.


THE JETBLUE® BUSINESS MASTERCARD® (JetBlue Business Card) REWARD RULES

This document contains the official Reward Rules for the JetBlue Business Card Account (the “Account”) issued by Barclays Bank Delaware (“Barclaycard”, “we”, “us”, or “our”) and includes important conditions and limitations (the “Reward Rules”). Please read the Reward Rules and keep this document in a safe place.

TrueBlue is a frequent flyer program offered by JetBlue Airways Corporation (the “Program”) and is not a product or program of Barclaycard. JetBlue Airways Corporation is solely responsible for establishing the terms and conditions of your participation and points accumulation in the Program. Terms and conditions of the Program are published by JetBlue Airways Corporation at jetblue.com and JetBlue Airways Corporation reserves the right to change the Program at any time with or without prior notice, and to end the Program with 6 months’ notice.

“You”, “your” or “primary cardmember” means the person who applied for the Account. Use of your Account 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 Business Card Agreement.  

Reward Rules Administration
The Reward Rules are administered by Barclaycard. We are solely responsible for all credit and eligibility standards and determination of Account issuance. To maintain your eligibility for participation in the Program through use of the Account:

  • You must maintain an open and active Account that is not in default under your Business Card Agreement with us.
  • Your Account cannot have been inactive for 12 billing cycles in a row (representing approximately 12 months). “Inactive” means you have no balance, no payments and no transactions.
  • You must pay your annual fee.

Program Membership

  • If your TrueBlue membership number was included in the application, we will add that number to your Account automatically.
  • If the TrueBlue membership number that you provided is found to be invalid or you did not provide us with a TrueBlue membership number, a new TrueBlue membership account number will be assigned to you.
  • Only one TrueBlue membership number will be established per Account, and will be assigned to you.

 Important Information about TrueBlue Points

  • TrueBlue points awarded to your True Blue membership account do not expire.
  • You have no property rights or other legal interest in TrueBlue points. Points have no cash value or value of any kind until they are fully redeemed. Points may not be assigned, transferred or pledged.
  • You are responsible for any tax liability related to participating in the Program.
  • If you are not credited for earned TrueBlue points or other benefits, once identified, the earned TrueBlue points or other benefits will be credited. If TrueBlue points or other benefits are not available, a comparable benefit will be provided as determined by us.
  • In the event of any abusive, gaming or fraudulent activity related to the Account, as determined by us in our sole discretion, we reserve the right to make corresponding adjustments to the points accrued in the Program and/or to cancel your Account at any time.
  • The Program is subject to all applicable laws and regulations. The redemption of TrueBlue points is void where prohibited by law. The sale or barter of any reward offered through the Program, other than by us, is expressly prohibited.

Points Restrictions
You may not earn TrueBlue points during a billing cycle in which any of the following occur:

  • You fail to make the Minimum Payment Due by its Payment Due Date.
  • Your Account becomes delinquent.
  • Your Account is otherwise in default under your Business Card Agreement with us (your Account is not in good standing).
  • You, or any Cardmember on the Account, engage in any illegal activity through the use of the Account or engage in activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion.

Points Forfeiture
Your TrueBlue points may be forfeited if any of the following occur:

  • Your Account becomes seriously delinquent, as determined by us at our sole discretion.
  • You or we close your Account for any reason.
  • You, or any Cardmember on the Account, engage in fraudulent activity on your Account.
  • Your Account is otherwise in default under your Business Card Agreement with us (your Account is not in good standing).
  • You, or any Cardmember on the Account, engage in any illegal activity on your Account, or engage in activity that is deemed to be abusive or gaming conduct, as determined by us in our sole discretion.
  • We reserve the right, at our sole discretion, to disqualify any Cardmember from participating in the Program and to invalidate any or all points earned for abuse, fraud, or any violation of the Reward Rules.

Earning Points
You earn TrueBlue points on purchases made with the Account, less credits, returns and adjustments (“Net Purchases”), by you and/or any Cardmember on the Account.

  • You earn six (6) TrueBlue points for every one dollar ($1.00) of eligible Net Purchases made with the Account, rounded up or down to the nearest dollar, on tickets, goods and services purchased directly from JetBlue Airways (“JetBlue Purchases”). Eligible JetBlue Purchases are items billed by JetBlue as merchant of record booked through JetBlue channels (JetBlue.com, JetBlue reservations, JetBlue Getaways and JetBlue airport ticket counters). Products or services that do not qualify as JetBlue Purchases are non-JetBlue Getaway car rentals, hotel reservations, purchases of TrueBlue points, and duty free purchases. Points earned will be posted to your TrueBlue membership account in 4-6 weeks.
  • You earn two (2) TrueBlue points for every one dollar ($1.00) of Net Purchases made with the Account, rounded up or down to the nearest dollar, on goods and services purchased directly at restaurants and office supply stores, as determined by the merchant category description. Qualifying restaurant purchases are categorized as: Restaurants and Fast Food Restaurants. Office supply stores are defined as stand-alone merchants that primarily sell stationery and office supplies for business consumption. Purchases must be submitted by merchants using the eligible merchant category codes for restaurants and office supply stores to qualify for the 2 points. Barclaycard is not responsible for incorrectly coded purchases.
  • You earn one (1) TrueBlue point for every one dollar ($1.00) of Net Purchases made with the Account everywhere else.
  • From time to time, we may offer bonuses of TrueBlue points or other premiums (for example, TrueBlue Bonus points) to new JetBlue Business Card Cardmembers. Unless otherwise stated in the offer, these bonuses and /or rewards are intended for persons who are not and have not previously been JetBlue cardmembers. You understand and agree that, unless we otherwise state, you are no longer eligible to receive these bonuses and/or rewards for any new JetBlue Mastercard account you open after this Account is opened. If you receive a bonus or reward for which you are not eligible, we may revoke the bonus or reward, or reduce your TrueBlue points by the amount of the bonus or reward, or charge your Account for the fair value of the bonus or reward, at our option.
  • Balance transfers, cash advances, cash equivalent transactions (transactions in highly liquid assets, e.g. assets that are directly convertible to cash such as, but not limited to, money orders, traveler’s checks, foreign currency, gambling chips and lottery tickets), fees, finance charges, and unauthorized/fraudulent transactions do not earn TrueBlue points.
  • There is no limit to the number of TrueBlue points you can earn as long as the Program continues and your Account remains open and in good standing.

Additional Benefits of Your Account

Bonus TrueBlue Points 
You will earn forty thousand (40,000) bonus TrueBlue points after you spend $1,000 in Net Purchases on your Account within ninety (90) days of Account opening. This one-time bonus points offer is valid for first-time cardmembers with new accounts only. Existing cardmembers and existing accounts are not eligible for this offer. This is a limited-time offer and may be canceled at any time without notice. Please allow 4-6 weeks for bonus points to be deposited into your TrueBlue account after qualifying transactions have posted.

Free First Checked Bag
You and up to 3 travel companions listed on the same reservation who have purchased Blue fares each receive their first checked bag free on JetBlue operated flights that do not include first checked bag free. All ticket purchases (original and exchanges) must be made with the JetBlue Business Card Account, and your TrueBlue member number must be entered at the time of booking. Applicable overweight and excess baggage fees will apply. See jetblue.com/travel/baggage/ for more information on JetBlue’s checked baggage policy. For benefit to apply the Account must be open 7 days prior to air travel AND the reservation must include your TrueBlue member number 7 days prior to air travel. If your Account is closed for any reason, these benefits will be cancelled. Eligible business owners who have purchased a Blue fare will get their first checked bag free of charge for flights operated by JetBlue that do not include first checked bag free. In addition, up to 3 companions traveling with you who have purchased a Blue fare will also get their first checked bag free of charge if they are listed in the same reservation. This benefit will not be available for travel on codeshare flights booked with a JetBlue flight number but operated by another airline. Waiver of bag fee does not apply to overweight or oversized bags. This benefit cannot be combined with any existing TrueBlue program benefits, including any waiver of baggage charges. Please see jetblue.com/travel/baggage for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Mosaic
Mosaic is a TrueBlue loyalty program which offers additional points, benefits and exclusive offers from participating partners. You will qualify for Mosaic after spending $50,000 in Net Purchases that post to your Account’s January through December billing statements. Mosaic is earned in addition to the TrueBlue points earned for Net Purchases made on the Account. Net Purchases exclude returned goods and services, cash advances, convenience checks, transferred balances, credits, fees and finance charges. Purchases made by all Cardmembers on the Account will count toward your qualifying spend. Please allow 4-6 weeks for Mosaic once you have qualified. Once you qualify for Mosaic, you will be eligible for the remainder of the current calendar year and the following calendar year. See jetblue.com for full details on the Mosaic program.

Anniversary TrueBlue Bonus Points
On your Account anniversary, 5,000 TrueBlue bonus points will be credited to your TrueBlue membership account as long as your Account remains open and in good standing. A maximum of 5,000 anniversary TrueBlue bonus points can be earned per year regardless of the amount of Net Purchases made. TrueBlue bonus points typically post 4-6 weeks after your Account anniversary.

50% Savings on Inflight Purchases
Cardmembers in good standing will qualify for a 50% savings on eligible inflight purchases.  Eligible purchases include the inflight purchase of cocktails, beer, wine, meals, and JetBlue movies (not Fly-Fi®) on JetBlue-operated flights when purchased on their Account. Savings does not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement credit 4-6 weeks after the transaction is posted to the cardmember’s Account.

Get 10% Points Back When You Redeem
You will earn 10% of your points back as a redemption bonus, to use toward your next redemption, every time you redeem. There is no maximum number of TrueBlue bonus points that can be earned annually from this benefit. This benefit only applies to TrueBlue points redeemed from your TrueBlue membership account. For benefit to apply, your Account must be open at the time of redemption. TrueBlue redemption bonus points typically post 4-6 weeks after your redemption.

$100 Statement Credit After Purchasing a Getaway Package
For each calendar year that you purchase a JetBlue Getaways vacation package of $100 or more with your Account at jetblue.com or 1-800-JETBLUE, you will receive a $100 statement credit. Your purchase must be $100 or more, less returns and credits, to receive this benefit. Limit of one $100 statement credit per calendar year per Account. Your Account will be billed for the full price of the JetBlue Getaways vacation package. The statement credit will appear 6-8 weeks after the qualifying transaction is posted to your Account. Your Account will not be eligible to receive the statement credit if it is closed or in default under your Business Card Agreement at the time of fulfillment.

Responsibility of the Parties/Information Sharing
JetBlue Airways Corporation is not a party to the Business Card Agreement between you and Barclaycard, does not participate in any extension of credit, has no authority regarding the Account and is not responsible for any goods or services offered by Barclaycard. Barclaycard is not responsible for any goods or services offered by JetBlue Airways Corporation. You authorize Barclaycard to share information about your Account with JetBlue Airways Corporation to the extent needed to administer the Program. You also agree that Barclaycard may share Account information as set forth in Barclaycard’s Privacy Policy.

Limitation and Release of Liability
By participating in the Program and accepting and using rewards earned through the Program, you or any other beneficiary of the Program release, discharge and hold harmless Barclaycard and its 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 of rewards or a cardmember’s right to possess rewards.

Important General Program Disclosures
JetBlue Airways Corporation reserves the right to change the TrueBlue Program and its terms and conditions at any time without notice, and to end the TrueBlue Program with 6 months’ notice. Any such changes may affect your ability to use the points, awards or mileage credits that you have accumulated. Unless specified, TrueBlue points earned through use of the JetBlue Business Card do not count toward Mosaic qualification. JetBlue Airways Corporation is not responsible for products or services offered by other participating companies. For complete details about the TrueBlue Program, visit jetblue.com.

Barclaycard is not responsible for typographical errors or omissions in this document. Points cannot be combined with other discount or reward programs unless specifically authorized by us. Barclaycard reserves 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 or any aspects or features of the Reward Rules to you at any time without prior notice. All interpretations of Reward Rules shall be at our sole discretion.

JetBlue Airways and TrueBlue are trademarks of JetBlue Airways, Inc. The JetBlue Business Card is issued by Barclaycard pursuant to a license by Mastercard International Incorporated. Mastercard and Business Mastercard are registered trademarks of Mastercard International Incorporated.

Customer Service
If you have any questions about your Account, please contact the customer service phone number on the back of your card.

©2018 Barclays Bank Delaware (Barclaycard), Member FDIC

Member FDIC Equal Housing Lender

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