You must be at least 18 years of age and a residents of the US, 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. APR for Balance Transfers: 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. Late Payment Fee and Returned Payment Fee: Up to $37 (fee varies by state). The card issuer will not charge you interest on purchases if you pay your entire balance by the due date each month. Penalty APR: None.