Applicant must be at least 18 years old and a resident of the US, 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. Purchase APR: 0% promotional APR for six billing cycles from the transaction date applies ONLY to "Qualifying NFL Team Ticket Purchases" (see website for details). After that, your APR for your Qualifying NFL Team Ticket Purchases will be 14.99%, 19.99% or 24.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. 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. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Returned Payment Fee: Up to $37. Penalty APR: None.