Terms and Conditions

Rates and Fees

Annual Percentage Rate (APR) for Purchases

18.24% variable or 27.24% 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

18.24% variable or 27.24% 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

27.49%

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 21.74% for Purchases and this rate will not be lower than 12.74% or 21.74% respectively.
  • 12.74% or 21.74% for Balance Transfers and this rate will not be lower than 12.74% or 21.74% 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 06/28/2019 using a Prime Rate of 5.5%.

Barclays Bank Delaware ("Barclays") 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. Barclays 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 Barclays 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 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, 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 Barclays.

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.


JetBlue Business Mastercard® Reward Rules

This document contains the official Reward Rules for the JetBlue Business Card Account ("Account") issued by Barclays Bank Delaware ("Barclays,” "we,” "us,” or "our") and includes important conditions and limitations ("Reward Rules"). Use of your Account constitutes your acceptance of each of the terms described below. "You,” "your" or "primary cardmember" means the person who applied for the Account. Capitalized terms not defined in these Reward Rules have the meaning ascribed to them in the Business Card Agreement.

TrueBlue® is a frequent flyer program (the “Program”) offered by JetBlue Airways Corporation (“JetBlue”) and is not a product or program of Barclays. JetBlue 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 at JetBlue.com and JetBlue reserves the right to change or cancel the Program and Program rules at any time with or without prior notice. 

Reward Rules Administration
The Reward Rules are administered by Barclays, located in Wilmington, DE. We reserve the right to modify, amend or terminate the Reward Rules at any time with or without notice. We are solely responsible for all credit and eligibility standards and determination of Account issuance.  You can review current Reward Rules any time by logging in to your Account at jetbluebusinesscard.com/businesscard/AcctFaqOutside.do.

To maintain your eligibility for participation in the Program through use of the Account:

  • You must maintain an open Account that is not in default under your Business Card Agreement with us (in “Good Standing”). See sections titled “TrueBlue points Restrictions” and “TrueBlue points Forfeiture” below for more details.
  • You must pay your annual fee. 

Program Membership

  • If your TrueBlue membership account number was included in the application, we will add that number to your Account automatically. We may also use other information on your application to determine if you have a TrueBlue account. If your email account is already associated with a TrueBlue membership account that cannot be attributed to you, you may need to provide another email address to register for TrueBlue or you may not be able to access all benefits associated with the TrueBlue membership
  • If the TrueBlue membership account number that you provided is found to be invalid or you did not provide us with a TrueBlue membership account number, a new TrueBlue membership account number will be assigned to you and added to your Account.
  • Only one TrueBlue membership account number will be established per Account, and assigned to you. 

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

  • 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 (“JetBlue Purchases”). Eligible JetBlue Purchases are items billed by JetBlue as merchant of record booked through JetBlue channels (JetBlue.com, JetBlue reservations, JetBlue Vacations and JetBlue airport ticket counters). Products or services that do not qualify as JetBlue Purchases are car rentals or hotel reservations purchased outside of a JetBlue Vacations package, duty-free purchases and purchases of TrueBlue points.
  • 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.
  • You earn one (1) TrueBlue point for every one dollar ($1.00) of Net Purchases made with the Account everywhere else.
  • Points earned will be posted to the primary cardmember’s TrueBlue membership account in 4-6 weeks following earning activity.
  • Purchases must be submitted by merchants using the merchant category codes for purchases in the above specified categories to qualify for the additional TrueBlue points. Barclays and JetBlue are not responsible for incorrectly coded purchases. Additional TrueBlue points may not be earned if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to pay for the purchase. Additionally, purchases made through third parties, including online marketplaces and resellers, or using a third-party payment account, will not earn additional TrueBlue points.
  • Balance transfers, cash advances (including cash equivalent transactions such as, but not limited to, the use of your Account to obtain money orders, traveler’s checks, foreign currency and lottery tickets), fees, interest charges and unauthorized/fraudulent purchases do not earn TrueBlue points.
  • When a purchase is not a whole dollar amount, any amount that is equal to or greater than $0.50 will be rounded up to the nearest whole dollar and any amount that is equal to or less than $0.49 will be rounded down to the nearest whole dollar to calculate your TrueBlue points earned. For example, if you make a purchase in the amount of $25.50, you will be awarded 26 TrueBlue points, but if the purchase amount is $25.49, you will be awarded 25 TrueBlue points. 

Bonus TrueBlue Points
You will receive a one-time award of 40,000 TrueBlue bonus points after spending $1,000 in Net Purchases within the first 90 days after your Account open date. The bonus points will be reflected on the billing statement in which you have qualified to earn the bonus.  Please allow 4-6 weeks for TrueBlue bonus points to be deposited into your TrueBlue membership account after the qualifying purchase(s) have posted to your Account.  This is a limited-time offer and may be canceled at any time without notice.

You will also earn an additional one-time 10,000 TrueBlue bonus points after at least one employee is added to the Account at the time of the application or within the first 30 days of the Account open date, and a purchase is made with the employee card on the Account within the first 90 days of the Account open date. This one-time TrueBlue bonus points offer is valid for first-time cardmembers with new accounts only, and a maximum of 10,000 TrueBlue bonus points may be earned, regardless of the number of employees added to the Account. Existing cardmembers, existing accounts, and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. This offer may be canceled at any time without notice. Please allow 4-6 weeks for TrueBlue bonus points to be deposited into your program account after the qualifying purchase has posted.    

From time to time, we may offer bonuses of TrueBlue points or other incentives to new JetBlue Business Card cardmembers in connection with an application for a new account. These bonuses and /or incentives are intended for persons who are not and have not previously been JetBlue Business Card cardmembers. You understand and agree that you may no longer be eligible for any bonuses and/or incentives in connection with a new JetBlue Business Card account after this Account is opened. If you receive a bonus or incentive for which you are not eligible due to your status as a current or former JetBlue Business Mastercard cardmember, we may revoke the bonus or incentive, or reduce your TrueBlue points by the amount of the bonus or incentive, or charge your Account for the fair value of the bonus or incentive, in our sole discretion.

Redeeming TrueBlue Points
JetBlue manages the Program including redemption. You can obtain information regarding the redemption options available by calling 1.800.JETBLUE or online at JetBlue.com.

Important Information about TrueBlue Points

  • TrueBlue points awarded to your TrueBlue membership account do not expire.
  • As long as the Program continues and the Account is open, active and in Good Standing, there is no limit to the total TrueBlue points you can earn using your Account.
  • In the event of any abusive, gaming or fraudulent activity related to the Account or violation of the Reward Rules, as determined by us in our sole discretion, we reserve the right to make corresponding adjustments to or invalidate TrueBlue points accrued in the Program through use of the Account, to disqualify you from participating in the Program through use of the Account, and/or to close your Account at any time. Abusive or gaming activity includes, but is not limited to, obtaining or using an Account to maximize rewards earned in a manner that is not consistent with typical business activity and/or multiple credit card account applications/opening, as determined by us in our sole discretion.
  • All TrueBlue points earned by the primary cardmember and any authorized user, through use of the Account, will be transferred to the primary cardmember’s TrueBlue membership account after the close of each billing statement. Your TrueBlue membership account is subject to the TrueBlue Program terms and conditions, located at JetBlue.com, which includes expiration and forfeiture policies. 
  • If you do not receive credit for earned TrueBlue points through use of your Account, please contact the Customer Service number on the back of your card.
  • You have no property rights or other legal interest in TrueBlue points. TrueBlue points have no cash value or value of any kind until they are fully redeemed. TrueBlue points may not be assigned, transferred or pledged.
  • You are responsible for any tax liability related to participating in the Program.
  • Participation in the Program through use of your Account is subject to all applicable laws and regulations. The sale or barter of any reward offered through the Program earned through use of the Account, other than by us, is expressly prohibited.
  • You can view a summary of your TrueBlue points earned through the use of your Account on your monthly Account billing statement or by logging in to BarclaysUS.com. Your total TrueBlue points Program balance is available by calling 1.800.JETBLUE (1.800.538.2583) or online at JetBlue.com.
  • Barclays is not responsible for awarding the TrueBlue points to your TrueBlue membership account or for arranging or providing for any goods or services related to the use of TrueBlue points, for any delay, failure, or refusal by JetBlue to award or redeem TrueBlue points, or for any decision by JetBlue to revoke or cancel TrueBlue points or membership in the Program.
  • For details regarding treatment of JetBlue points in your TrueBlue membership account, please refer to the Program Terms and Conditions at JetBlue.com.

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

  • You, or any authorized user on the Account, 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. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer or business activity and/or multiple credit card applications/openings, as determined by us in our sole discretion.
  • 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 Business Card Agreement with us. 

TrueBlue Points Forfeiture
TrueBlue points earned through use of the Account, but not yet transferred to JetBlue may be forfeited if any of the following occur:

  • You, or any authorized user on the Account, 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. Abusive or gaming activity includes, but is not limited to, obtaining or using an account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card applications/openings, as determined by us in our sole discretion.
  • Your Account becomes seriously delinquent, as determined by Barclays in its sole discretion.
  • Your Account is otherwise in default under your Business Card Agreement with us.
  • For details regarding treatment of TrueBlue points in your TrueBlue membership account, please refer to the Program Terms and Conditions at JetBlue.com. 

Additional Benefits of Your Account

Free First Checked Bag
You and up to 3 travel companions on the same reservation who have purchased Blue fares each receive their first checked bag free on JetBlue-operated flights. All ticket purchases (original and exchanges) must be made with the JetBlue Business Card Account and your TrueBlue membership account number must be entered at the time of booking. This benefit will not be available for travel on codeshare flights booked with a JetBlue flight number but operated by another airline.  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 seven (7) days prior to air travel AND reservation must include your TrueBlue membership account number seven (7) days prior to air travel. If your Account is closed for any reason, these benefits will be canceled. 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, JetBlue’s highest tier of loyalty, offers additional points, benefits and perks. You will qualify for Mosaic after spending $50,000 in Net Purchases (based on transaction date) made between January 1 and December 31 each calendar year. 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 through additional cards 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 Food and Drink Purchases
Cardmembers in good standing will qualify for a 50% savings on eligible inflight food and drink purchases.  Eligible purchases include the inflight purchase of cocktails, beer, wine and meals on JetBlue-operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as pillows, earphones or upgraded seats or cabins. 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 After Taking Award Flights
With the Award Flight Redemption Bonus, you will receive 10% of your points back as a bonus after you redeem for and travel on a JetBlue-operated Award Flight. For example, if you redeem a JetBlue-operated Award Flight using 20,000 TrueBlue points, 2,000 of your points will be deposited back into your TrueBlue membership account after you take the flight. This Award Flight Redemption Bonus will be deposited into your TrueBlue membership account 4-6 weeks after you take your JetBlue-operated Award Flight. There is no maximum number of bonus TrueBlue points you can receive annually with this benefit. This bonus only applies to the TrueBlue points redeemed from your TrueBlue membership account. For the benefit to apply, your Account must be open at the time of travel on your JetBlue-operated Award Flight.

$100 Statement Credit After Purchasing a JetBlue Vacations Package
For each calendar year that you purchase a JetBlue Vacations 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 Vacations 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 is not a party to the Business Card Agreement between you and Barclays, does not participate in any extension of credit, and has no authority regarding the Account. Barclays has no authority regarding the Program and is not responsible for any goods or services offered by JetBlue. You authorize Barclays to share information about your Account with JetBlue and its affiliates and authorize JetBlue to share information about your Program membership with Barclays and its affiliates, to the extent needed to administer the Program and the Account. You also agree that Barclays may share Account information as set forth in Barclays’ Privacy Policy. The Privacy Policy for Barclays is available online at jetbluebusinesscard.com/businesscard/AcctPrivacyOutside.doYou also agree that JetBlue may share TrueBlue membership account information as set forth in JetBlue’s Privacy Policy available online at jetblue.com/legal/privacy/.

Limitation and Release of Liability
By participating in the Program through use of the Account and accepting TrueBlue points, you (on your behalf and on behalf of any person to whom you give the benefits from the Program) release, discharge and hold harmless Barclays, JetBlue, 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 through use of the Account or travel taken or use of products purchased in connection with the Program through use of the Account. Barclays has no liability in case of disagreement over issuance of TrueBlue points or a cardmember’s right to possess TrueBlue points. 

Important General Program Disclosures
Barclays reserves the right to correct inaccurate TrueBlue point 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 at any time without prior notice. All interpretations of the Reward Rules shall be in our sole discretion. Other significant terms may apply. All trademarks and service marks belong to their respective owners. Barclays is not responsible for typographical errors or omissions in this document, website, mobile app, or any marketing materials. TrueBlue points earned through use of the Account cannot be combined with other discount or reward programs unless specifically authorized by us or JetBlue.

JetBlue, JetBlue Card and TrueBlue are trademarks of JetBlue Airways Corporation. The JetBlue Business Card is issued by Barclays Bank Delaware (“Barclays”) pursuant to a license by Mastercard International Incorporated. Mastercard and Business Mastercard are registered trademarks, and the circles design is a trademark 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.     

© 2019 Barclays Bank Delaware (Barclays), Member FDIC.                                JB_Business_0419_Employee

Member FDIC Equal Housing Lender

Close