Applicant must be at least 18 years old and a resident 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. Card company will not charge interest on Purchases if you pay your entire balance by the due date. 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; after that, (and for balance transfers that do not post within 45 days of account opening) your APR will be a variable 13.99%, 16.99%, or 20.99% based on your credit worthiness. Late Payment Fee and Returned Payment Fee: Up to $37 each (fee varies by state). No annual fee and no foreign transaction fees. Penalty APR: None.