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. 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. 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.