How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”. If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”.

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.

Terms and Conditions Continued:

Important Information about the Princess Credit Card Program: Offers may vary. Please carefully review the reward benefits (such as bonus miles/points and how miles/points are earned), interest rates and account fees and terms of this particular offer before applying.

Fees that Vary by State:
Late Payment Fee:  Up to $35 (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 (Up to $15 for residents of Iowa at time of account opening).

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.  I agree that if I am not approved for a Signature account that I may be approved for a Platinum account.

About This Offer: You must be at least 18 years of age. This offer is available only to applicants who are residents of the United States, 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 us. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations,    we may be unable to open an account for you, or you may receive a Platinum card. Platinum benefits differ from Signature benefits. Please review the materials provided with your card for details. 

About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.

Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.

About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.

How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 01/31/2013 using a Prime Rate of 3.25%.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for your country of citizenship.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.

Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges may apply.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15/16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. If the total amount you request exceeds the assigned credit line on your new account, we may either decline the request or send a partial payment to your creditor(s).  The amount of available credit on your new account will be reduced by the amount transferred and the related balance transfer fees.  We reserve the right to decline to process any requested balance transfer.  We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights.  Upon approval of your application we will process the requested balance transfer payment to the account(s) which you have requested on the 10^th day after we’ve mailed you your card; during this 10 day time period you may cancel your balance transfer by contacting us at the number on the back of your card.

A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved. Balance transfers are subject to availability. We may deny balance transfer requests at any time and for any reason.

Paying Interest on Balance Transfers and Cash Advances:
We charge interest on balance transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge you interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues.

Cash Equivalent Purchases: The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see the Cardmember Agreement that will accompany your credit card upon account opening for more details.

The information contained in these disclosures is accurate as of 01/31/2013 and may change after this date.

Information Sharing:

Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays Bank Delaware, Princess, and the Rewards Program administrator, Enhancement Services Corporation ("ESC Loyalty") may share information about me and my account to the extent needed to administer the Rewards Program.

Princess Rewards^™ Program

1. General- The Princess Rewards^™ Visa Card is issued by Barclays Bank Delaware ("Barclays"). Barclays reserves the right to modify, cancel or terminate the Princess Rewards^™ Program at any time with or without notice. The Princess Rewards^™ Visa Card is only open to U.S. residents at least 18 years old.

2. Program Eligibility-The Princess Rewards Program eligibility is restricted to individuals who maintain a Princess Rewards Visa Credit Card Account ("Account") that is open and current.

On the closing date of each billing cycle that your "Account" remains open and current, Barclays will calculate the Net Purchases charged to your Account during a billing cycle. If your Account is not open and/or current on the date a billing cycle closes, Barclays will calculate no Net Purchases for that billing cycle. Princess Points’ (“Points”) will be issued to the Primary Cardmember, regardless of who made the purchase. "Net Purchases" for a billing cycle are determined by totaling all new purchases added to your Account during the billing cycle, and then subtracting Points posted to your Account during the period for returned purchases and/or adjustments. For purposes of calculating Net Purchases, Barclays may round up or down to whole dollar amounts. If Points for returned purchases exceed new purchases during a billing cycle, Barclays will calculate negative Net Purchases and reduce the Primary Cardmember's accrued points accordingly. Net Purchases do not include fees, finance charges, credit insurance premiums, or transactions posting as non-qualifying Balance Transfers or Cash Advances, whether received from financial institutions, automated teller machines, by use of Barclays convenience checks, or by any other means. Barclays reserves the right to exclude from Net Purchases any unauthorized purchases or purchases which are added to your Account after you are past due or over limit. Barclays may withdraw Points previously awarded if your Account is more than sixty (60) days past due, or if the Points were awarded on purchases not authorized by you. To participate in the rewards program, your Account must remain open and in good standing, you must maintain your creditworthiness and you must use your card for at least one (1) purchase transaction every six (6) months (or have some type of Account balance every six months). Failure to meet these requirements may result in Account closure and forfeiture of all outstanding points earned.In addition, if your payment is late in a particular billing cycle, this may result in the forfeiture of points earned in that billing cycle. If your points are forfeited for any reason, we will not reinstate these points to your Account. Your Account may only be used for personal, family, or household purposes. Your Account may not be used for business or commercial purposes.  Barclays reserves the right, at any time, to forfeit points earned on purchases it deems as commercial in nature.  Barclays is not responsible for arranging or providing any services related to travel or the use of Points or for any delay, failure, or refusal by Princess to redeem Points. Barclays will show on your monthly Account statement the Primary Cardmember's accrued Points as reflected in their records. Points are valid for five (5) years from posting date and will expire if not redeemed.  Barclays is not responsible for arranging or providing any services related to travel or the use of Points or for any delay, failure, or refusal by Princess to redeem Points. Barclays will show on your monthly Account statement the Primary Cardmember's accrued Points as reflected in their records. Points are valid for five (5) years from posting date and will expire if not redeemed.

3. Earning points-Cardmembers will receive one (1) Princess Point for every one U.S. dollar ($1.00) of Net Purchases made on the Account rounded to the nearest dollar and two (2) Princess Points for every one U.S. dollar ($1.00) of Net Purchases from Princess Cruise Lines including online and onboard purchases. Cash Advances or Cash Advances at the Casino are not eligible for Points. Please see the Transaction Charges section for applicable transaction charges that will be applied when the account is used for Cash Advance or used to purchase gambling chips.

To continue to participate in the rewards program, your account must remain open and in good standing, you must maintain your creditworthiness and you must use your card for at least one (1) purchase transaction every six (6) months (or have some type of account balance every six months).  Failure to meet these requirements may result in account closure and/or forfeiture of all outstanding points earned.  In addition, if your payment is late in a particular billing cycle, this may result in the forfeiture of points earned in that billing cycle.  If your points are forfeited for any reason, we will not reinstate these points to your account.

4. Bonus Points- After using your Princess Rewards Visa Card to make an initial purchase or Balance Transfer, you will be eligible to receive a one time bonus award of five thousand (5,000) Princess Points. Bonus Points will be posted at the close of your first billing statement after an initial qualifying purchase or Balance Transfer is made.

Cardmembers will earn one (1) Princess Point for every one U.S. dollar ($1.00) in Balance Transfers that post to your new Account, in the first thirty (30) days after your new Account is opened up to a maximum of five thousand (5,000) Princess Points. Use of Convenience Checks will not qualify for Princess Points.

From time to time, Princess and/or Barclays ("We") may offer bonuses or Points or other premiums (for example, First Use Points, First Use Certificates, and Promotional Companion Tickets) to new Princess Rewards Visa Card Cardmembers. Unless otherwise stated in the offer, these bonuses and /or Rewards are intended for persons who are not and have not previously been Princess Rewards Visa Card Cardmembers. You understand and agree that, unless We otherwise state, you are no longer eligible to receive these bonuses and/or Rewards for any new Princess Rewards Visa Card account you open after this Account is opened. If you receive a bonus or Reward for which you are not eligible, We may revoke the bonus or Reward, or reduce your Points by the amount of the bonus or Reward, or charge your Account for the fair value of the bonus or Reward, at our option. Princess Points expire after five (5) years if not redeemed. Princess Points are not transferable and cannot be transferred or sold.

5. Redeeming Points- To redeem your Princess Points at anytime, log on to your account at www.barclaycardus.com and click on the My Princess Points link. You may also redeem your Princess Points by calling 866-872-6248 and speaking to a Redemption Specialist by selecting the correct option from the Rewards menu. New Rewards travel can only be redeemed by speaking with a Redemption Specialist (“Specialist”). Our Specialists are available 9:00 AM EST to 8:00 PM EST seven (7) days a week with the exception of most major holidays.

Special Occasion Packages, Princess Cellars, Onboard Merchandise, Spa Experiences and Stateroom Credits can not be redeemed within fifteen (15) days prior to the passenger's cruise departure date.

The redemption levels are subject to be modified, canceled or terminated at any time with or without notice and may vary based on availability and seasonal travel. Rewards exclude government taxes/fees/facilities. Changes in itinerary will result in additional fees. Reward tickets are non-refundable. Princess Reward Program terms and conditions are subject to change and are void where prohibited by law.

Onboard credits, merchandise, amenities, and packages will be delivered onboard the ship during the guest's cruise and are only available in conjunction with an applicable cruise vacation. Orders for onboard Rewards will be accepted up to fifteen (15) days prior to the cruise departure date. In the event that an item is unavailable or temporarily out of stock, the item may be substituted at Princess' discretion. Onboard gift voucher may not be redeemed for onboard credit and has no cash value.

Princess Cruise Lines is not a party to the Credit Card Cardmember Agreement between you and Barclays; does not participate in any extension of credit, and has no authority regarding your Account. Barclays is the sole creditor and owner of your Account. You authorize Barclays to share information about your Account with Princess to the extent needed to administer the Princess Rewards Program. You also agree that Barclays may share Account information as set forth in our Privacy Policy

The Princess Family of Marks including Princess, the Princess logo, Princess Cruises and Princess Rewards are registered service marks or trademarks of Princess Cruise Lines, Ltd., its affiliates or its Licensor. All rights reserved.

See the Princess Rewards Program Terms and Conditions at Princessvisa.com.

©2013 Barclays Bank Delaware