You must be at least 18 years of age. Offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories, and may not be available if you already have or have had an account with Barclays Bank Delaware. Returned Payment fee is up to $35. The card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Penalty APR: Up to 27.24%, based on your creditworthiness. If your APRs are increased, the Penalty APR may apply indefinitely.