Cardmember Agreement

The Cardmember Agreement filing from Barclays Bank Delaware sets out a 33.24% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 78th percentile.

On the face of the filing

The document behind this page is Barclays Bank Delaware's filed agreement for Cardmember Agreement. The filing runs two pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate.

The purchase rate was taken from a row the filing did not clearly label, so there is some risk it describes a different balance type.

Pricing the purchase rate

33.24% puts the purchase APR near the 78th percentile across 2,280 agreements, so it is dearer than the typical filing.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The cost of carrying a balance

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,576 in interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $593 more per year.

Note the $2 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Where the fees are

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 33.24%. $200 is the crossover point where the percentage overtakes the $10 minimum.

Moving a balance onto this card carries an up-front charge of $5 or 5% of the amount transferred, whichever is greater, with the transferred balance priced at 33.24%. On $2,000 that fee is about $100 before any interest is charged.

The filing sets a 3% foreign transaction fee, which adds roughly $150 to $5,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

The no-interest path

23 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. With a corpus median of 25 days, this window is narrower than the norm.

The $2 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Penalty pricing and late fees

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

How it sits in the issuer's own range

9 separate Barclays Bank Delaware filings appear in the corpus. Across that lineup purchase rates span 33.24% to 34.99%; this filing's 33.24% sits above 0 of the comparable ones.

What the filing does not tell you

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

33.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.