Purchase APR
17.49–29.99%
Annual fee
None
Foreign fee
3%
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $787.20
← All issuersBarclaycardSCA_042326 ↗ BarclaycardSCA_042326 ↗ BarclaycardSCA_042326 ↗
Barclays Bank Delaware
9 cardholder agreements · 893 KB · 35 surveyed cards
D
Fair Terms · grade D (43/100)
3 contract red flags across 9 filed docs · see how every issuer ranks →
Why this grade
- Starting score100
- Forced arbitration with no opt-out-30
- Class-action waiver-12
- Deferred interest-15
- Fair Terms score43 · grade D
See the exact wording behind each below.
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Contract X-Ray — what's buried in the fine print
3 red flags · 9 filed docsDetected in the CFPB-filed cardholder agreements from Barclays Bank Delaware. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…. Box 8801, Wilmington, DE 19899-8801, or calling us at 1-888- 232-0780 [ADA/Accessibility Services- Please use Relay Service 711]. ARBITRATION. THIS ARBITRATION PROVISION DOES NOT APPLY TO YOU IF YOU ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT. This arbitration provision provides for binding arbitration…”
Class-action waiver
You can't band together with other cardholders in a class action.
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“…ation agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. 1-16. No class actions, joinder or consolidation of any Claim with a Claim of any other person or entity shall be allowable in arbitration, without the written consent of b…”
Deferred interest
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…: 1% of the Principal Balance (defined below), Any interest charges billed on the monthly statement (excluding any interest charges that accrued on a deferred interest balance that ended during the billing cycle covered by the statement), Any Minimum Interest Charge, Any Returned Payment Fee, and Any Late Payment Fe…”
Checked & clear: Jury-trial waiver · Change-anytime clause · Penalty APR
Priced card products
Purchase APR
18.49–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
20.24–29.99%
Annual fee
None
Foreign fee
3%
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $772.20
Purchase APR
20.24–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $742.20
Purchase APR
19.99–29.99%
Annual fee
$99
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer≤619620–719Travel-related
Carrying $3k for a year ≈ $863.70 incl. $99 fee
Purchase APR
19.49–28.24%
Annual fee
$299
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $1,067.60 incl. $299 fee
Purchase APR
19.49–28.24%
Annual fee
$1,199
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $1,967.60 incl. $1,199 fee
Purchase APR
19.49–28.24%
Annual fee
$699
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $1,468.50 incl. $699 fee
Purchase APR
19.49–29.99%
Annual fee
$99
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $856.20 incl. $99 fee
Purchase APR
19.49–29.99%
Annual fee
$99
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $856.20 incl. $99 fee
Purchase APR
34.99%
Annual fee
$59
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer≤619620–719Travel-related
Carrying $3k for a year ≈ $1,108.70 incl. $59 fee
Purchase APR
19.99–29.99%
Annual fee
$500
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $1,257.19 incl. $500 fee
Purchase APR
19.49–29.99%
Annual fee
$99
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer≤619620–719Travel-related
Carrying $3k for a year ≈ $856.20 incl. $99 fee
Purchase APR
19.49–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $757.20
Purchase APR
19.49–29.99%
Annual fee
$499
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $1,256.20 incl. $499 fee
Purchase APR
19.49–29.99%
Annual fee
$99
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $856.20 incl. $99 fee
Purchase APR
19.49–29.99%
Annual fee
$89
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $846.20 incl. $89 fee
Purchase APR
19.49–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $779.70
Purchase APR
18.49–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $787.20
Purchase APR
18.49–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $787.20
Purchase APR
18.49–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $787.20
Purchase APR
19.24–29.99%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $757.20
Purchase APR
33.49–34.24%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Travel-related
Carrying $3k for a year ≈ $1,016.10
Purchase APR
19.24–29.99%
Annual fee
$75
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $832.20 incl. $75 fee
Purchase APR
19.24–29.99%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $757.20
Purchase APR
19.24–29.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $757.20
Purchase APR
19.24–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
19.49–29.99%
Annual fee
$89
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $846.20 incl. $89 fee
Purchase APR
19.24–29.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
19.24–29.99%
Annual fee
None
Foreign fee
None
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
22.24–32.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $798.60
Purchase APR
33.24–33.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
Purchase APR
33.24–33.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
Purchase APR
33.24–33.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
Purchase APR
33.24–33.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.