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LegalTermsandConditions
InterestRatesandInterestCharges

AnnualPercentageRate
(APR)forPurchases

15.24%,20.24%or25.24%basedonyourcreditworthiness.
ThisAPRwillvarywiththemarketbasedonthePrimeRate.

0%promotionalAPRforsixbillingcyclesfromthetransactiondateonall"Qualifying
NFLTeamTicketPurchases"(seebelow).
Afterthat,yourAPRforyourQualifyingNFLTeamTicketPurchaseswill
be15.24%,20.24%or25.24%basedonyourcreditworthiness.This
APRwillvarywiththemarketbasedonthePrimeRate.
APRforBalance
Transfers

0%introductoryAPRforthefirstfifteenbillingcyclesfollowingeachbalancetransfer
thatpoststoyouraccountwithin45daysofaccountopening.
Afterthat,(andforbalancetransfersthatdonotpostwithin45daysofaccount
opening)yourAPRwillbe15.24%,20.24%or25.24%basedonyourcredit
worthiness.ThisAPRwillvarywiththemarketbasedonthePrimeRate.

APRforCashAdvances

25.49%
ThisAPRwillvarywiththemarketbasedonthePrimeRate.

HowtoAvoidPaying
InterestonPurchases

Yourduedateisatleast23daysafterthecloseofeachbillingcycle.Wewillnot
chargeyouinterestonpurchasesifyoupayyourentirebalancebytheduedateeach
month.

MinimumInterestCharge

Ifyouarechargedinterest,thechargewillbenolessthan$0.50

ForCreditCardTipsfrom
theConsumerFinancial
ProtectionBureau

Tolearnmoreaboutfactorstoconsiderwhenapplyingfororusingacreditcard,
visitthewebsiteoftheConsumerFinancialProtectionBureauat
http://www.consumerfinance.gov/learnmore.

Fees

AnnualFee

$0

TransactionFees:

BalanceTransfer

Either$5or3%oftheamountofeachtransfer,whicheverisgreater.

CashAdvance

Either$10or5%oftheamountofeachcashadvance,whicheverisgreater.

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ForeignTransaction

PenaltyFees:

3%ofeachtransactioninU.S.dollars.

LatePayment

Upto$37

ReturnedPayment

Upto$37

HowWeWillCalculateYourBalance:Weuseamethodcalled"dailybalance(includingnewpurchases)".

TermsandConditionsContinued:
ImportantInformationabouttheNFLCreditCardProgram:Offersmayvary.Pleasecarefullyreviewthereward
benefits(suchasbonusmiles/pointsandhowmiles/pointsareearned),interestratesandaccountfeesandtermsof
thisparticularofferbeforeapplying.
SpecialPromotionalOfferforQualifyingNFLGameTicketPurchase(s):
QualifyingNFLGameTicketPurchasesincludeticketspurchasedfromanyparticipatingNFLteamticketofficeusing
yourNFLExtraPointscreditcard.ThisofferisonlyavailableforthepurchaseofNFLgameticketsprocessedbya
participatingNFLteamticketoffice.GameticketspurchasedfromanynonNFLteamticketofficeswillnotbeeligible
forthepromotionalAPRoffer.
Agreement:Theuseofanyaccountopenedinconnectionwiththisofferwillconstituteacceptanceofandwillbe
subjecttotheCardmemberAgreementthatwillbesenttoyou.TheAPRs,fees,andotheraccountterms,aswellas
thebenefitsandfeaturesassociatedwiththeaccountaresubjecttochangetotheextentpermittedbylaw.Youagree
thatifyouarenotapprovedforaSignatureaccountyoumaybeapprovedforaPlatinumaccount.
++YourTelephoneNumbers:Byprovidinguswithatelephonenumber(s),atthetimeyouapplyoranytimethereafter,
youauthorizeusandouraffiliatesandagents,tocontactyouatthatnumberaboutyouraccountorotherproductsor
services,andtouseanautomateddialingservice,prerecordedmessageortextmessage.Standardtextmessaging
and/orcallingchargesmayapply.
AboutThisOffer:Youmustbeatleast18yearsofage.Thisofferisavailableonlytoapplicantswhoareresidents
oftheUnitedStates,withtheexceptionofIowa,PuertoRicoandtheUSterritories,andmaynotbeavailableif
youalreadyhaveorhavehadanaccountwithus.Ifatthetimeofyourapplicationyoudonotmeetthecreditorincome
criteriapreviouslyestablishedforthisoffer,ortheincomeyoureportisinsufficientbasedonyourcurrent
obligations,wemaybeunabletoopenanaccountforyou,oryoumayreceiveaPlatinumcard.Platinumbenefits
differfromSignaturebenefits.Pleasereviewthematerialsprovidedwithyourcardfordetails.
AboutYourCreditReport:Youagreethatwehavearighttoobtainacreditreportinconnectionwithourreviewofyour
application,andifweestablishanaccountforyou,toadministeryouraccount.Youagreethatwemayreporttoothers
ourcreditexperiencewithyou.Ifyouask,wewilltellthenamesandaddressesofanycreditbureausfromwhichwe
obtainedareportaboutyou.
AbouttheVariableAPRsonYourAccount:WeusethehighestPrimeRatelistedintheTheWallStreetJournalon
thelastbusinessdayofeachmonth.ForthenonpromotionalpurchaseandbalancetransferAPR,weadd
either11.74%,16.74%or21.74%tothePrimeRatebasedonyourcreditworthiness.ForthecashadvanceAPR,we
add21.99%tothePrimeRate.SeeyourCardmemberAgreementformoredetail.TheAPRsnotedabovearecurrentas
of10/31/2016usingaPrimeRateof3.5%.
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ImportantInformationAboutProceduresforOpeningaNewAccount:Tohelpthegovernmentfightthefundingof
terrorismandmoneylaunderingactivities,Federallawrequiresallfinancialinstitutionstoobtain,verify,andrecord
informationthatidentifieseachpersonwhoopensanaccount.Whatthismeanstoyou:Whenyouapplyforanaccount,
wewillaskforyourname,streetaddress,dateofbirth,socialsecuritynumber,andotherinformationthatwillallowus
toidentifyyou.Wemayalsoasktoseecopiesofidentifyingdocuments.Wealsoaskforcountryofcitizenship.
BalanceTransfers.Here'sHowitWorks:Torequestabalancetransferpleaseenterthe15/16digitaccountnumber
fromtheMasterCard,Visa,AmericanExpress,orDiscoverCardaccountthatyouwantustoprocessabalance
transferto.Ifthetotalamountyourequestexceedstheassignedcreditlineonyournewaccount,wemayeitherdecline
therequestorsendapartialpaymenttoyourcreditor(s).Theamountofavailablecreditonyournewaccountwillbe
reducedbytheamounttransferredandtherelatedbalancetransferfees.Wereservetherighttodeclinetoprocessany
requestedbalancetransfer.Wewillnotprocessarequesttotransferabalancefromanyotheraccountyoumayhave
withus.Balancetransfersincurinterestfromthetransactiondate.Youshouldnottransfertheamountofanydisputed
purchaseorothercharge.ifyoudo,youmayloseyourdisputerights.
Uponapprovalofyourapplicationwewillprocesstherequestedbalancetransferpaymenttotheaccount(s)whichyou
haverequestedonthe10thdayafterwe'vemailedyouyourcardduringthis10daytimeperiodyoumaycancelyour
balancetransferbycontactingusatthenumberonthebackofyourcard.Abalancetransfermaytakeupto4weeksto
posttoyourotheraccounts.Continuetopayeachcreditoruntilthebalancetransferappearsontheotheraccountasa
credit.IfyouwouldliketocompleteabalancetransferfromanotheraccountthatisnotaVisa,MasterCard,American
ExpressorDiscoverCardaccount,pleasecallthephonenumberonthebackofyournewcreditcardonceyouare
approved.Balancetransfersaresubjecttoavailability.Wemaydenybalancetransferrequestsatanytimeandforany
reason.
AvoidingInterestonPurchases:Wewillnotchargeyouinterestonanypurchasesifyoupayyourentirebalanceby
theduedateeachmonth.Inaddition,duringthisintroductoryperiodwewillnotchargeyouinterestonpurchasesifyou
paybytheduedateeachmonthyouroutstandingstatementbalanceminusanynew0%introductoryAPRBalance
Transferbalances.Toavoidalatefee,youshouldpayatleasttheminimumpaymentdueonyouraccounteachmonth.
CreditLimit:Wedonotpermitapplicantstorequestaspecificcreditlimit.Wedonotconsiderarequestforabalance
transfermadewithanapplicationtobearequestforaparticularcreditlimit.Wedeterminethecreditlimitonyour
accountindependentofandpriortoprocessinganybalancetransferrequest.
CashEquivalentPurchases:Thepurchaseofmoneyorders,travelers'checks,foreigncurrency,lotterytickets,
gamblingchips,wiretransfersandothersimilartransactionsaretreatedascashadvances.Pleaseseeyour
CardmemberAgreementfordetails.
NewYorkResidents:NewYorkresidentsmaycontacttheNewYorkStateDepartmentofFinancialServicesby
telephone(800)3423736,orvisitthewebsite,www.dfs.ny.gov(http://www.dfs.ny.gov/),forfreeinformationon
comparativecreditcardrates,feesandgraceperiods.
NoticetoMarriedWisconsinResidents:Nomaritalpropertyagreement,unilateralstatementorcourtdecreeunder
Wisconsin'smaritalpropertylawwilladverselyaffectourinterestsunlessbeforeyouraccountisopened,yougiveusa
copyoftheagreement,statementordecreeorwehaveactualknowledgeofit.
AboutUsandThisCreditCardProgram:ThiscreditcardprogramisissuedandadministeredbyBarclaysBank
Delaware(BarclayCard),locatedinWilmington,DE.Anyaccountopenedinresponsetothisapplicationshallbe
governedbythelawsoftheStateofDelaware.VisaisaregisteredtrademarkofVISAUSA,Inc.andisusedbyus
pursuanttoalicense.
ExpressDelivery:IfyouareapprovedforanaccountyourcardwillbesentvianextdayFedExdeliveryafteryour
accountisopenedifyourrequestforexpressdeliveryismadebefore3:00pmETofthatday.Iftherequestismade
after3:00pmETdeliverywillbemadethefollowingday.Deliverywillbemadeonlytoyourhomeaddressanda
signatureisrequired.Ifyouaddedanadditionalcarduser(s)onyourapplicationtheadditionalcard(s)cannotbe
expresseddelivered.

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Theinformationcontainedinthesedisclosuresisaccurateasof10/31/2016andmaychangeafterthisdate.
InformationSharing:
Barclays'PrivacyPolicyisavailableonlineatwww.BarclaycardUS.com.IagreethatBarclaysBankDelawareandthe
NFLmayshareinformationaboutmeandmyaccounttotheextentneededtoadministertheExtraPointsRewards
Program.

REWARDRULES

ExtraPointsProgramRules
ThisdocumentcontainstheofficialRewardsProgramRules(ProgramRules)fortheExtraPointsRewardsProgram
(theProgram)andincludesimportantconditionsandlimitations.UseofyourExtraPointsCard(theCard)constitutes
youracceptanceofeachofthetermsdescribedbelowandthetermsoftheCardmemberAgreement.Pleasereadthese
ProgramRulesandkeepthisdocumentinasafeplace.CapitalizedtermsnotdefinedintheseProgramRuleshavethe
meaningascribedtothemintheCardmemberAgreement.NFLreferstotheNFLEntities(definedastheNational
FootballLeague,itsMemberClubs,NFLEnterprisesLLC,NFLPropertiesLLC,NFLInternationalLLC,NFLVentures,
Inc.,NFLVentures,L.P.,NFLProductionsLLC,andeachoftheirrespectivesubsidiaries,affiliates,shareholders,
officers,directors,agents,representativesandemployeescollectively).
ProgramAdministration
TheExtraPointscreditcardprogramisadministeredbyBarclaysBankDelaware(Barclaycard)locatedinWilmington,
DE(we,usorour).BarclaycardisresponsibleforestablishingtheTermsandConditionsoftheProgramandreserves
therighttomodify,amend,orterminatetheProgramatanytime.GiftcardsareadministeredbyLoyaltyEdge,Inc.
(LoyaltyEdge),anindependentcompanynotaffiliatedwithBarclaycardortheNFL.
NFLisnotapartytotheCardmemberAgreementbetweenyouandus,doesnotparticipateinanyextensionofcredit,
andhasnoauthorityregardingtheAccount.BarclaycardisthesolecreditorandowneroftheAccount.Barclaycards
PrivacyPolicyisavailableonlineatBarclaycardUS.com.BarclaycardandtheNFLwillshareinformationtotheextent
neededtoadministertheExtraPointsProgram.
ToqualifyforparticipationintheProgramandtomaintainyourgoodstanding:
YoumustmaintainanopenAccountthatisnotindefaultunderyourCardmemberAgreementwithus.
YourAccountcannothavebeeninactivefor6billingcyclesinarow(representingapproximately6months).Inactive
meansyouhavenobalance,nopayments,andnotransactions.
Youmustbeanindividual(corporations,partnerships,andotherentitiesmaynotparticipate)andusetheCardonly
forpersonal,family,orhouseholdexpenses.IfyoudonotkeepyourAccountopen,active,andingoodstanding,your
enrollmentintheProgrammaybecancelledandanyunredeemedpointsmaybeforfeited.

EarningPoints
YouearnpointsbasedonnewNetPurchases.NetPurchasesmeansretailpurchasesmadebyyouand/orany
AuthorizedUser(s)oftheCard,lesscredits,returns,andadjustmentsthatposttotheaccounteachperiodicbilling
cycle.
Earntwo(2)pointsperdollar($1.00)spentonNFL,NFLTeam(asoutlinedbelow)andDirectTVNetPurchases.
NFLpurchasetransactionsareNetPurchasesmadeatNFLShop.com,NFLteamretailstores,NFLTeamonline
storesandNFLTeamstadiums.DirectTVpurchasetransactionsareNetPurchasesmadedirectlywithDirectTV.
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Earnone(1)pointforeverydollar($1.00)spentonallotherNetPurchasesontheaccount.
Whenapurchasetransactionisnotawholedollaramount,anyfractionequaltoorgreaterthan$0.50willberounded
uptothenearestwholedollarandanyfractionequaltoorlessthan$0.49willberoundeddowntothenearestwhole
dollar.Forexample,ifaCardmembermakesapurchaseintheamountof$49.49,49pointswillbeawarded,butifthe
transactionamountis$49.50,50pointswillbeawarded.
BalanceTransfers,CashAdvances,QuasiCashTransactions(transactionsinhighlyliquidassets,e.g.assetsthat
aredirectlyconvertibletocashsuchas,butnotlimitedto,moneyorders,travelerschecks,foreigncurrencyandlottery
tickets),fees,interestcharges,andunauthorized/fraudulenttransactionsdonotearnpoints.
ThereisnolimittothetotalpointsyoucanearnaslongastheProgramcontinuesandtheAccountisopen,active,
andingoodstanding.
AllpointsearnedforpurchasesbytheprimaryCardmemberandanyauthorizeduser(s)willbepostedtotheAccount
andbetreatedasearnedbytheprimaryCardmemberforpurposesoftheProgram.
Barclaycardreservestheright,atitssolediscretion,todisqualifyanyCardmemberfromparticipatingintheProgram
andtoinvalidateanyorallpointsearnedforabuse,fraud,oranyviolationoftheProgramRules.
BonusPoints:Tenthousand(10,000)BonusPointswillbeawardedafteratleast$500.00inNetPurchases(thatare
notlaterreturnedorrescinded)havebeenchargedtothenewaccountinthefirst90daysafteraccountopening.
BonusPointswillbepostedtoyouraccountatthecloseofyourfirstbillingstatementafterthequalifyingtransaction(s)
havebeenposted.

RedeemingPoints
Toredeempointsforrewards,CardmembersshouldvisitmyNFLcard.com.Redemptionsstartat2,500points.Youcan
redeempointsfor:NFLGiftCards,NFLandTeamExperiences,NFLTicketsandCashBackintheformofadeposit
directlyintoaUScheckingorsavingsaccountorforastatementcreditappliedtotheCardmembersaccount.
Thereisnomaximumnumberofpointsthatmayberedeemedinanybillingcycle.
Allrewardselectionsaresubjecttoavailability.Rewardsarenotreturnable,exchangeableorrefundableunderany
circumstance.Rewardsarenotreplaceableiflost,stolen,destroyedorexpired.
Barclaycard,theNFL,andtheirsuppliershavenoliabilityincaseofdisagreementoverissuanceoforrightto
possessrewardsorpointsandhavenofurtherobligationoncetherewardisissued.
Cashbackdepositswillbetransferredtoyouraccountwithinthreetofour(34)businessdaysfromthedateofyour
redemptionandthereisa$500dailylimitforcashbackrewardsdepositedintoaUScheckingorsavingsaccount.
StatementcreditswillappearontheAccountwithinonebillingcycleafterthepointsareredeemed.Astatementcredit
doesnotconstituteapaymentandyouarerequiredtomakeyourminimumpaymentdue.Statementcreditredemptions
cannotbechanged,arenonrefundableandnontransferable.

ImportantInformationaboutPoints
ThefollowingtransactionsarenotconsideredNetPurchasesanddonotearnpoints:Accountfees,interest,
conveniencechecks,balancetransfers,cashadvances,cashequivalentsasdefinedinyourCardmemberAgreement,
andpurchasesmadebyorforbusinessorcommercialpurposes.Inaddition,anypointsawardedonpurchasesthatare
subsequentlyreturnedwillbedeductedfromyourtotal,andyourpointsbalancewillbeadjustedaccordingly.
AslongasyourAccountremainsopen,active,andingoodstanding,yourpointswillnotexpire.
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Youhavenopropertyrightsorotherlegalinterestinpoints.Pointshavenocashvalueorvalueofanykinduntilthey
arefullyredeemed.
Pointsmaynotbetransferredorassigned.
IftheCardmemberisnotcreditedforearnedpointsorotherbenefits,onceidentified,theearnedpointsorother
benefitswillbecredited.Ifpointsorotherbenefitsarenotavailable,acomparablebenefitwillbeprovidedas
determinedbyus.
Intheeventofanyabusive,gaming,orfraudulentactivityrelatedtotheProgram,asdeterminedbyusinoursole
discretion,wereservetherighttomakecorrespondingpointsadjustmentstoyourAccountand/ortocancelyour
Accountatanytime.
TheProgramissubjecttoallapplicablelawsandregulations.Theredemptionofpointsisvoidwhereprohibitedby
law.ThesaleorbarterofanypointsoritemsreceivedthroughredemptionthroughtheProgram,otherthanbyus,is
expresslyprohibited.

AdditionalBenefitsoftheCard
AsanExtraPointsCardmember,youcanreceivea20%discountwhenyouuseyourcardforpurchasesat
NFLShop.com.Toreceivethediscount,youmustenterthefirst6digitsfromyourExtraPointsCreditCardnumberin
thePromoCodefieldatcheckout.Discountdoesnotapplytotaxes,shippingandhandlingcharges,giftwrappingor
similarcharges.Discountnotapplicablewithreturnedmerchandisetotaldiscountwillbedeductedfromthevalueof
anyreturneditemtowhichthediscountapplied.Cannotbecombinedwithanyotherpromotionaloffernoristhisoffer
validonpreviouspurchases.Entireordermustbeshippedtoasingleaddressandcustomerisresponsibleforall
shippingcostsforreturnedmerchandise.Additionalteamspecificdiscountsmaybecomeavailableatanytime,subject
toavailability.Barclaycardmanagessuchdiscountsonaperteambasis,withtheabilitytoaddandremoveavailability
ofsuchdiscounts,initssolediscretion.

PointsRestrictions
Youmaynotearnorredeempointsduringabillingcycleinwhichanyofthefollowingoccur:
Youfailtomaketheminimumpaymentduebythepaymentduedate.
YourAccountbecomesdelinquent.
YourAccountdoesnotremainingoodstandingasdefinedintheCardmemberAgreement.
YouengageinanyillegalactivitythroughtheuseoftheProgramorengageinactivitythatisdeemedtobeabusiveor
gamingconductundertheProgram,asdeterminedbyusinoursolediscretion.

PointsForfeiture
Youmayforfeityourpointsifanyofthefollowingoccur:
YourAccountbecomesdelinquent,asdeterminedbyBarclaycardatitssolediscretion.
YouorwecloseyourAccountforanyreason.
YouengageinfraudulentactivityonthisAccount.
YouengageinanyillegalactivitythroughtheuseoftheProgramorengageinactivitythatisdeemedtobe
abusiveorgamingconductundertheProgram,asdeterminedbyusinoursolediscretion.

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LimitationandReleaseofLiability
ByparticipatingintheProgramandacceptingandusingpointsearnedthroughtheProgram,you(andanypersonto
whomyougivethebenefitsfromtheProgram)release,discharge,andholdharmlessBarclaycardanditsrespective
parentcompanies,subsidiaries,affiliates,agents,administrators,employees,officers,directors,successors,and
assigneesfromallclaims,damages,orliabilityincluding,butnotlimitedto,physicalinjuryordeath,arisingoutof
participationintheProgramortraveltakenoruseofproductspurchasedinconnectionwiththeProgram.Barclaycardis
notresponsibleforunauthorizedredemptionsonyourAccount.Barclaycardhasnoliabilityincaseofdisagreement
overissuanceofpointsoritemsreceivedthroughredemptionsoraCardmembersrighttopossesspointsormake
redemptions.

ImportantGeneralProgramDisclosures
TheProgramissubjecttochangewithoutpriornotification.Othersignificanttermsmayapply.Alltrademarksand
servicemarksbelongtotheirrespectiveowners.Wearenotresponsiblefortypographicalerrorsoromissionsinthis
document.Pointscannotbecombinedwithotherdiscountorrewardprogramsunlessspecificallyauthorizedbyus.
Wereservetherighttocorrectinaccuraterewardsvaluesrepresentedonstatementsorourwebsite,atoursole
discretion.Wemay,atoursolediscretion,cancel,modify,restrict,orterminatetheProgramoranyaspectsorfeatures
oftheProgramatanytimewithoutpriornotice.AllinterpretationsofProgramRulesshallbeatoursolediscretion.
PointshavenovalueexceptasusedinaccordancewiththeTermsandConditionsoftheprogram.Barclaycard
reservestherighttodisqualifyanyCardmemberfromparticipatingintheprogramandtoinvalidateanyorallpointsfor,
fraudoranyviolationoftheprogramsTermsandConditions.
Currently,rewardsincludeNFLtickets,NFLandTeamgiftcardsandNFLandTeambasedexperiences,Unless
otherwisenoted,Cardmemberswillberesponsibleforalltraveltoandfromeachexperience.AnyRewardsthatinvolve
ticketstoanNFLfootballgameortheSuperBowlaresubjecttoallstandardTermsandConditionsofNFLtickets,
including,withoutlimitation,theTermsandConditionsonticketbacksandinfanguides.
ByparticipatingintheProgram,andacceptingandusingpointsearnedviatheProgram,youoranyotherbeneficiaryof
theProgramrelease,dischargeandholdharmlessBarclaycard,theNFL,theirsuppliers,andtheirrespective
subsidiaries,affiliates,agents,administrators,employees,officers,directors,successorsandassigneesfromall
claims,damagesorliabilityincluding,butnotlimitedto,physicalinjuryordeath,arisingoutofparticipationinthe
ProgramortraveltakenoruseofproductschosenasaProgramreward.
Barclaycard,theNFL,andtheirsuppliersarenotresponsibleforunauthorizedredemptionsonyouraccount.All
questionsordisputesregardingeligibilityfortheProgramoreligibilityforpointsforaccrualorredemptionwillbe
resolvedbyBarclaycardinitssolediscretion.
Teamnames/logos/indiciaaretrademarksoftheteamsindicated.
AllotherNFLrelatedtrademarksaretrademarksoftheNationalFootballLeague.Othertrademarksmentionedinthe
Rewardscataloguearethepropertyoftheirrespectiveowners.

CustomerService
IfyouhaveanyquestionsabouttheProgram,pleasecontactthecustomerservicephonenumberonthebackofyour
Card.
2016BarclaysBankDelaware(Barclaycard),MemberFDIC

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