How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”. If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”. 

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.

Terms and Conditions Continued:

Fees that Vary by State:
Late Payment Fee:  Up to $35 ($15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 ($15 for residents of Iowa at time of account opening).

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.  I agree that if I am not approved for a Signature account that I may be approved for a Platinum account.

About Your Application and This Offer:   Depending on our review of your application and your credit history or if 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 Signature or Platinum card. Platinum benefits differ from Signature benefits. You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit. 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 or have had a Credit Card account with us.

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 06/24/2010 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.

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.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15 or 16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. Upon approval of your application we will provide you with your Cardmember Agreement and to the extent permitted by your credit line we will process the requested balance transfer payment to the credit card account(s) which you have requested. If the total amount you request exceeds the assigned credit line on this account, we may either decline the request or send a partial payment to your creditor(s) in the order you provided them to us. The amount of available credit on this account will be reduced by the amount of the balance transfer 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 and they do not have the same charge back rights as transactions conducted with a credit 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.

The information contained in these disclosures is accurate as of 06/24/2010 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 AirTran Airways may share information about me and my account to the extent needed to administer the AirTran Airways A+ Visa in conjunction with the AirTran Airways A+ Rewards Program.

AIRTRAN AIRWAYS A+ REWARDS PROGRAM:

(a) If we received the Primary Cardmember's AirTran Airways A+ Rewards Program (the "Program") membership number with your application we will advise AirTran that you have opened an Account. If you answered no or did not give us the membership number, we will ask AirTran Airways to enroll the Primary Cardmember in the Program and issue a membership number. Only one Program membership will be linked to your Account. If the Account is a joint account, we will enroll the Primary Cardmember. The Primary Cardmember can be eligible to receive and redeem "credits" subject to the terms and conditions of the AirTran Airways A+ Rewards Terms and Conditions, as established, modified, supplemented and/or amended by AirTran Airways from time to time (the "Program Terms and Conditions").

(b) On the closing date of each billing cycle that your Account remains open and current, we will report to AirTran Airways the number of "credits" earned on your Account during a billing cycle and request that AirTran Airways award points/"credits" as set forth in paragraph (e). If your Account is not open and/or current on the date a billing cycle closes, we will report no Net Purchases to AirTran Airways for that billing cycle. We will ask that "credits" be awarded to the Primary Cardmember, regardless of who made the "purchase." Net Purchases for a billing cycle are determined by totaling all new Purchases added to the Account during the billing cycle, then subtracting credits posted to the Account during the period for returned Purchases and/or adjustments. For purposes of reporting Net Purchases, we may round up or down to whole dollar amounts. If credits for returned Purchases exceed new Purchases during a billing cycle, we will report negative Net Purchases and, if applicable, ask AirTran Airways to reduce the Primary Cardmember's accrued "credits" accordingly.

Net Purchases does not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances or non-qualifying Balance Transfers, whether received from financial institutions, automated teller machines, by use of Barclays Checks, or by any other means. We reserve the right to exclude from Net Purchases unauthorized Purchases, Purchases which are added to your Account after you are past due or overlimit.

We may ask AirTran Airways to withdraw points/"credits" previously awarded if your Account is more than sixty (60) days past due, or if the points credit was awarded on Purchases not authorized by you. We are not responsible to award points/"credits" under the Program, to arrange or provide for any services related to travel or the use of points credit, for any delay, failure, or refusal by AirTran Airways to award or redeem "credits", or for any decision by AirTran Airways to revoke or cancel points or membership in the Program.

(c) AirTran Airways is not a party to the agreement between you and us, does not participate in any extension of credit or decision to extend credit under these regulations, and has no authority regarding the Account. Barclays is the sole creditor and owner of the Account. You authorize us to share information about your account with AirTran Airways to the extent needed to enroll you in and/or administer the program. You agree that we may share Account information as set forth in Barclays' Privacy Policy.

(d) Your monthly Account statement will include the Primary Cardmember's accrued points accrued for that month as reflected in our records. You understand that there will be a delay between the date you make a Purchase, the date we report Net Purchases to AirTran Airways, and the date that AirTran Airways acts upon the information, and that, for this and other reasons, our records and the records of AirTran Airways regarding the Primary Cardmember's accrued points may differ. You understand and agree that points/"credits" are not received by the Primary Cardmember until awarded by AirTran Airways, and that, in the event of any discrepancy between our records and AirTran Airways' records of the Primary Cardmember's accrued points/"credits", the records of AirTran Airways will control.

(e) Points Accrual

Barclays will request that AirTran Airways award to the Primary Applicant one credit for each 1,000 points accumulated on the account, provided the account is open and current on the statement closing date for the statement in which the credit is earned.

AirTran Airways A+ Visa Signature card with $49 annual fee Cardmembers will earn two (2) points for every one dollar ($1.00) spent on AirTran Airways travel and one (1) point is awarded for every one dollar ($1.00) of net purchases everywhere else.

AirTran Airways A+ Visa Signature card with No annual fee Cardmembers will earn one (1) point for every one dollar ($1.00) spent on AirTran Airways travel and one (1) point is awarded for every two dollars ($2.00) of net purchases everywhere else.

If you do not qualify for a Visa Signature Card, you may receive a Visa Platinum card with no annual fee.

AirTran Airways A+ Visa Platinum card with No annual fee Cardmembers will earn one (1) point for every one dollar ($1.00) spent on AirTran Airways travel and one (1) point is awarded for every two dollars ($2.00) of net purchases everywhere else.

Balance Transfer Bonus Points:

AirTran Airways A+ Visa Signature card with $49 annual fee Cardmembers will earn one (1) point per one dollar ($1.00) in balances transferred to your AirTran Airways A+ Visa requested in the first 30 days after you open your account, up to a maximum of 10,000 points. Convenience Checks do not qualify for Bonus Points.

AirTran Airways A+ Visa Signature card with No annual fee Cardmembers will earn one (1) point per one dollar ($1.00) in balances transferred to your AirTran Airways A+ Visa requested in the first 30 days after you open your account, up to a maximum of 10,000 points. Convenience Checks do not qualify for Bonus Points.

AirTran Airways A+ Visa Platinum card with No annual fee Cardmembers will earn one (1) point per one dollar ($1.00) in balances transferred to your AirTran Airways A+ Visa requested in the first 30 days after you open your account, up to a maximum of 10,000 points. Convenience Checks do not qualify for Bonus Points.

Bonus Credits:

AirTran Airways A+ Visa Signature card with $49 annual fee:   Five (5) bonus credits will be awarded when you use your Account during the first 90 days for purchases that total $250 or greater that are not later returned, disputed, or rescinded.  An additional five (5) bonus credits will be awarded when you use your Account during the first 90 days for purchases that total $750 or greater that are not later returned, disputed, or rescinded. Bonus miles will be awarded at the close of the Cardmember's billing statement after the qualifying purchase(s) have posted.

AirTran Airways A+ Visa Signature card with No annual fee Cardmembers:  Two (2) bonus credits will be awarded when you use your Account during the first 90 days for purchases that total $250 or greater that are not later returned, disputed, or rescinded.  Bonus miles will be awarded at the close of the Cardmember's billing statement after the qualifying purchase(s) have posted.

AirTran Airways A+ Visa Platinum card with No annual fee Cardmembers:  Two (2) bonus credits will be awarded when you use your Account during the first 90 days for purchases that total $250 or greater that are not later returned, disputed, or rescinded.  Bonus miles will be awarded at the close of the Cardmember's billing statement after the qualifying purchase(s) have posted.

All points and credit awards are subject to further terms and conditions described in the AirTran Airways account regulations. Note that A+ Rewards credits expire two years after the date posted as shown in your online A+ Rewards account. AirTran Airways A+ Visa points and credit awards are subject to the terms and conditions of the AirTran Airways A+ Rewards Program. Terms and Conditions of this program, including conditions of participation and point levels required for awards, may be changed, added or deleted at any time, in whole or in part, in accordance with the AirTran Airways A+ Rewards Program rules, and without notice to AirTran Airways A+ Visa cardmembers. This means that AirTran Airways may change or terminate program partners; withdraw, limit, modify, or cancel any credit or travel award; increase the credits required for any award; or limit the number of seats available to any or all destinations without notice to you.

The following benefit is for AirTran Airways A+ Visa Signature card with $49 annual fee Cardmembers only:

Anniversary Discount Certificates: 

AirTran Airways A+ Visa Card with Annual Fee Cardmembers will receive two (2) fifty dollar ($50.00) AirTran Airways Discount Certificates that will be sent to the e-mail address on file with A+ Rewards every year after the first that a cardmember has paid the Annual Fee for the coming year. The Discount Certificates are valid for round-trip AirTran Airways travel anywhere AirTran flies. These special discounts must be booked by the specific date printed on the certificate for travel good for one year from the date sent. Discount must be redeemed at the original time of purchase. Limit one (1) discount per person. Fares, routes, and schedules are subject to change without notice. AirTran Airways is solely responsible for the delivery of Anniversary Discount Certificates each year. Anniversary Discount Certificates will be sent only via e-mail. To ensure receipt, keep your e-mail address updated in your A+ Rewards account and opt in to A+ Rewards e-mails. Additional restrictions apply, see discount certificate for full details. AirTran Airways A+ Visa Card with No Annual Fee Cardmembers are not eligible for this benefit.  Please allow 8-10 weeks for Discount Certificates to be processed and sent.

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