REWARD RULES Barclaycard Arrival™ MasterCard® Rewards

REWARD RULES

Barclaycard Arrival™ MasterCard

Rewards

Program Rules:

This document contains the ofﬁcial Rewards Program Rules

(“Program Rules”) for the Barclaycard Arrival MasterCard

Program (the “Program”) and includes important conditions

and limitations. Use of your Barclaycard Arrival MasterCard

constitutes your acceptance of each of the terms described

below and the terms of the Cardmember Agreement. Please

read these Program Rules and keep this document in a safe

place. Capitalized terms not deﬁned in these Program Rules have

the meaning ascribed to them in the Cardmember Agreement.

Program Administration

The Program is administered by Barclays Bank Delaware

(Barclaycard) located in Wilmington, DE (“we”, “us” or “our”).

To qualify for participation in the Program and to maintain your

good standing:

• You must maintain an open and active Account that

is not in default under your Cardmember Agreement

with us.

• Your Account cannot have been inactive for 7 billing cycles

(approximately 7 months). “Inactive” means you have no

balance, no payments and no transactions.

• You must be an individual (corporations, partnerships, and

other entities may not participate) and use the Account only

for personal, family or household expenses. Each qualiﬁed

cardmember participating in the Program will be eligible to

earn miles.

Earning miles

• You earn miles on retail purchases with the Barclaycard Arrival

MasterCard (the “Card”) less credits, returns and adjustments

(“Net Purchases”) made by you and/or any Authorized User(s)

of the Card.

• You will earn 2 miles for every $1 of all Net Travel and

Dining Purchases.

• You will earn 1 mile for every $1 of all other Net Purchases

made using your card.

• Purchases must be submitted by eligible merchants using

the merchant category codes for Travel and Dining to qualify

for the 2 miles. Barclaycard is not responsible for incorrectly

coded purchases.

• When a purchase or transaction is not a whole dollar amount,

any fraction equal to or greater than $0.50 will be rounded

up to the nearest whole dollar and any fraction equal to or

less than $0.49 will be rounded down to the nearest whole

dollar. For example, if the cardmember makes a purchase in

the amount of $49.49, it will be treated as a $49.00 purchase,

but if the transaction amount is $49.50, it will be treated as a

$50.00 purchase for the purposes of miles calculations.

• Balance Transfers, Cash Advances, Quasi-Cash Transactions

(transactions in highly liquid assets, e.g. assets that are

directly convertible to cash such as, but not limited to, money

orders, travelers checks, foreign currency and lottery tickets),

Purchases made by or for a business or for a business

purpose, fees, interest charges, and unauthorized/fraudulent

transactions do not earn miles.

• There is no limit to the total miles you can earn as long as the

Program continues and the cardmember’s Account is open,

active and in good standing.

• Barclaycard reserves the right, at its sole discretion, to

disqualify any cardmember from participating in the Program

and to invalidate any or all miles earned for abuse, fraud, or

any violation of the Program Rules.

Travel and Dining

• Qualifying travel purchases and redemptions are dened

as: Airlines, Hotels, Motels, Timeshares, Campgrounds, Car

Rental Agencies, Cruise Lines, Travel Agencies, Discount

Travel Sites, Trains, Buses, Taxis, Limousines, and Ferries, as

identiﬁed by the merchant category codes.

• Qualifying dining purchases are dened as: Restaurants

and Fast Food Restaurants, as identiﬁed by the merchant

category codes.

Redeeming Miles

• Redeeming miles for travel statement credits offers the best

value. You also have the option to redeem for cash back

statement credits, gift cards and merchandise.

• Redemptions start at 2,500 miles.

• To redeem miles, visit Manage Rewards at BarclaycardUS.com

and follow the online instructions.

• There is no limit to the total miles you can redeem as long

as the Program continues and the cardmember’s Account is

open, active and in good standing.

Travel Statement Credit Redemptions

• To qualify for redemption, travel purchases must be submitted

by merchants using the eligible merchant category codes

for purchases in the deﬁned categories. Barclaycard is not

responsible for incorrectly coded purchases.

• Travel statement credit redemptions start at 2,500 miles for

$25, toward any qualifying travel purchase of $25 or more

made within the last 120 days.

• If you redeem your miles for a travel statement credit, the

credit will be posted to your Account within 1 to 2 business

days. Statement credits reduce your Account balance but

cannot be applied toward any minimum payment and are

otherwise subject to the terms and conditions applicable to

your Account.

Non-Travel Redemptions

• Cash back statement credit redemptions start at 2,500 miles

for $12.50.

• Gift card redemptions start at 5,000 miles for $25.

• Merchandise redemption values vary based on what you are

redeeming for.

• If you redeem your miles as a cash back statement credit, the

credit will be posted to your Account within 1 to 2 business

days. Statement credits reduce your Account balance but

cannot be applied toward any minimum payment and are

otherwise subject to the terms and conditions applicable to

your Account.

• If you redeem miles for gift cards or gift certicates, they will

be mailed to the U.S. street address or P.O. box of record with

Barclaycard. Gift cards and gift certicates will not be mailed

to an F.P.O., A.P.O., or international address. Expedited

shipping is available for gift cards and gift certiﬁcates at an

additional cost to you and must be mailed to a U.S. street

address. Use of any gift card or gift certiﬁcate you redeem is

subject to any additional restrictions listed on the gift card or

gift certiﬁcate or that are outlined in the individual merchant/

provider disclosures.

• If you redeem your miles for merchandise, items will be

mailed to the U.S. street address of record with Barclaycard.

Merchandise will not be mailed to a P.O. Box, F.P.O., A.P.O.,

or international address. Expedited shipping is not available

for merchandise.

• Merchant/provider disclosures may be viewed by accessing

your Account at BarclaycardUS.com and selecting Manage

Rewards to review available gift cards, gift certiﬁcates

and merchandise and the associated merchant/provider

disclosure including conditions, restrictions and exclusions

that may apply. Each merchant/provider has the right to place

restrictions on the use of its gift cards or gift certicates. Gift

cards or gift certiﬁcates are not exchangeable, refundable,

transferable or redeemable for cash, cannot be replaced if lost

or stolen and are void where prohibited.

• The number of miles needed to redeem for merchandise, gift

cards, and gift certiﬁcates may change at any time.

• Items are subject to availability and may change at any time.

Goods of equal or similar value may be substituted if the

item you select is unavailable. Featured merchandise may

not necessarily reﬂect exact colors or models due to the

photography used for general representation of merchandise

and/or manufacturers’ model or style updates.

• Purchase protection or extended warranty coverage

associated with your Card is not applicable to rewards.

5% Redemption Bonus

You will earn 5% of your miles back as a redemption bonus,

to use toward your next redemption, every time you redeem.

For example, if you redeem 40,000 miles, you will receive

2,000 miles as a bonus to use towards your next redemption.

Redemption Bonus miles will be added to your Account within

one (1) business day after your redemption is processed.

• Redemption bonus miles are earned every time you redeem,

regardless of whether you redeem for travel statement credits,

cash back statement credits, gift cards and/or merchandise.

• When redemption bonus miles are not earned in a whole mile

amount, any fraction equal to or greater than 0.50 will be

rounded up to the nearest whole mile and any fraction equal

to or less than 0.49 will be rounded down to the nearest whole

mile. For example, if a cardmember redeems 40,123 miles,

the redemption bonus of 2,006.15 miles will be rounded to

2,006 miles, and if a cardmember redeems 40,890 miles,

the redemption bonus of 2,044.50 miles will be rounded to

2,045 miles for the purposes of miles calculations.

Important Information about Miles

• As long as your Account remains open, active and in good

standing, your miles (including redemption bonus miles) will

not expire.

• You have no property rights or other legal interest in miles.

Miles have no cash value or value of any kind until they are fully

redeemed. Miles may not be assigned, transferred, or pledged.

• You are responsible for any tax liability related to participating

in the Program.

• If the cardmember is not credited for earned miles or other

beneﬁts, once identiﬁed, the earned miles or other beneﬁts

will be credited. If miles or other benets are not available,

a comparable beneﬁt will be provided as determined by us.

• In the event of any abusive, gaming or fraudulent activity

related to the Program, as determined by us in our sole

discretion, we reserve the right to make corresponding miles

adjustments to your Account and/or to cancel your Account

at any time.

• The Program is subject to all applicable laws and regulations.

The redemption of miles is void where prohibited by law. The

sale or barter of any reward offered through the Program,

other than by us, is expressly prohibited.

Miles Restrictions

You may not earn or redeem miles during a billing cycle in which

any of the following occur:

• You fail to make the minimum payment due by the payment

due date.

• Your Account becomes delinquent.

• Your Account does not remain otherwise in good standing as

deﬁned in the Cardmember Agreement.

• You engage in any illegal activity through the use of the

Program, or engage in activity that is deemed to be abusive

or gaming conduct under the Program, as determined by us

in our sole discretion.

Miles Forfeiture

Your miles may be forfeited if any of the following occur:

• Your Account becomes seriously delinquent, as determined

by Barclaycard at its sole discretion.

• You or we close your Account for any reason.

• You engage in fraudulent activity on this Account.

• You engage in any illegal activity through the use of the

Program, or engage in activity that is deemed to be abusive

or gaming conduct under the Program, as determined by us

in our sole discretion.

Limitation and Release of Liability

By participating in the Program, and accepting and using rewards

earned via the Program, you or any other beneﬁciary of the

Program release, discharge and hold harmless Barclaycard and

their respective parent companies, subsidiaries, afﬁliates, agents,

administrators, employees, ofﬁcers, directors, successors and

assignees from all claims, damages or liability including, but not

limited to, physical injury or death, arising out of participation

in the Program or travel taken or use of products purchased in

connection with the Program. Barclaycard is not responsible

for unauthorized redemptions on your Account. Barclaycard

has no liability in case of disagreement over issuance of or a

cardmember’s right to possess rewards.

Important General Program Disclosures

The Program is subject to change without prior notiﬁcation.

Other signiﬁcant terms may apply. Barclaycard Arrival is a

trademark of Barclays Bank PLC, used under license to

Barclays Bank Delaware. All other trademarks and service

marks belong to their respective owners. We are not responsible

for typographical errors or omissions in this document. Miles

cannot be combined with other discount or reward programs

unless speciﬁcally authorized by us.

• We reserve the right to correct inaccurate rewards values

represented on statements or our website, at our sole discretion.

• We may, at our sole discretion, cancel, modify, restrict, or

terminate the Program or any aspects or features of the

Program at any time without prior notice. All interpretations of

Program Rules shall be at our sole discretion.

Customer Service

If you have any questions about your rewards program, please

contact the customer service phone number on the back of

your card.

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