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Mastercard Titanium Card

Barclays Bank Delaware

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
19.49–28.24%
Annual fee
$299
0% intro
None
0% transfer
15 mo
Foreign fee
None
Grace period
23 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
27.74%
720+
19.74%
Lowest offered19.49%
Median25.62%
Highest offered28.24%

Balance transfer APR

Promotional window: 15 months · grace period retained on purchases

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

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

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

Lowest offered29.74%
Median29.87%
Highest offered29.99%

Every fee on this card

Annual fee$299
Balance transfer feegreater of 5% or $5
Cash advance feegreater of 5% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$0.50
Balance computationOther
Additional fees
Returned Payment fee$40

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Other Rewards (Gift cards and merch)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone18332498431
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$500

Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.62% afterwards.

Cost to carry a balance
Interest for a year at 25.62%$768.60
Annual / periodic fees$299
Total yearly cost$1,067.60

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

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