Applicant must be at least 18 years old. Offer is available only to applicants who are residents of the United States, 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. Card company will not charge interest on Purchases if you pay your entire balance by the due date. Returned Payment Fee: Up to $35. Penalty APR: Up to 27.24% (variable), based on your creditworthiness; if your APRs are increased, the Penalty APR may apply indefinitely.