Barclays Bank Delaware Gap Good Rewards Mastercard | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Phone

(800) 861-5096

Purchase interest rate and fees

29.99% – 34.99%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	34.24%	3 dollar sign symbols Pay more interest
720+	34.24%	3 dollar sign symbols Pay more interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 3% of each purchase
Minimum finance charge: A minimum interest payment of $2 is required to avoid additional fees
Grace period: 23 days until interest begins to accrue on purchases
Balance computation method: 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)".
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $30 for the first late payment and $41 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment fee: $41 (Charge incurred when a customer payment is returned due to insufficient funds in a consumer's account, closed accounts, or frozen accounts.)

Rewards and perks

Other

Other rewards: Other Rewards (store point rewards & first purchase discount)

Services

Access to Free Credit Scores
Automobile rental insurance
Other - ID Theft Protection, Zero Liability, Global Emergency Services, Early Sales

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

29.99% – 34.99%*

+

$10 or 5% ($10 minimum)

Cash advance fee details: Either $10 or 5% of the amount of each cash advance, whichever is greater.

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 34.24%.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.