Applicant must be at least 18 years old and a resident of the US 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 Barclays Bank Delaware. Purchase APR: 0% promotional APR for six billing cycles from the transaction date ONLY on Baltimore Ravens "Qualifying NFL Team Ticket Purchases"; after that, your APR will be 14.99%, 19.99% or 24.99% (variable) based on your credit worthiness. APR for Balance Transfers: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. Returned Payment Fee: Up to $37. Penalty APR: None.