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48

Mastercard - Platinum

Barclays Bank Delaware

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.24–29.99%
Annual fee
None
0% intro
None
0% transfer
19.24%
Foreign fee
3%
Grace period
23 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
29.99%
720+
19.99%
Lowest offered19.24%
Median25.24%
Highest offered29.99%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered19.24%
Median25.24%
Highest offered29.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.99%
Median29.99%
Highest offered29.99%

Every fee on this card

Annual feeNone
Balance transfer feegreater of 5% or $10
Cash advance feegreater of 5% or $10
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$0.50
Balance computationOther
Additional fees
Returned Payment fee$41

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card

Issuer note: Other (Game Pass Ultimate Rewards)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-833-249-8431
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 19.24%$481.00
You lose$131

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.24% afterwards.

Cost to carry a balance
Interest for a year at 25.24%$757.20
Annual / periodic fees$0
Total yearly cost$757.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.

Cardholder agreements

9 documents filed by Barclays Bank Delaware in the 2026 Q1 archive.

All 9 agreements

More from this issuer