How We Will Calculate Your Balance: We use a method called "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:

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.  

About Your Application and This Offer: Depending on our review of your application and your credit history or if the income you report is insufficient based on your current obligations, we may be unable to open an account for you.   You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit.  This offer is available only to applicants who are permanent residents of the United States, with the exception of Iowa and Puerto Rico.This offer may not be available to you if you already have or have had a Credit Card account with us.

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 06/24/2010 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.

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.

The information contained in these disclosures is accurate as of 06/24/2010 and may change after this date.

Information Sharing:
Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that BJ's Wholesale Club, Inc. ("BJ's") and Barclays Bank Delaware may share information about me and my account to the extent necessary to administer the BJ's Visa Card in conjunction with the the BJ's Visa Program.

BJ's Visa Program
Your BJ's Visa Card is issued by Barclays Bank Delaware. BJ's is not a party to the Credit Card Cardmember Agreement. By accepting this card, you agree that Barclays may share information regarding your account, including the account number, transaction information, and contact information, with BJ's for the purposes of providing customer service to you for the Program.

Rewards under the Program are earned on purchases made with your BJ's Visa Card. Cardmembers do not earn points on balance transfers, convenience checks and cash advances unless specified otherwise. Points are not earned on unauthorized charges or fees of any kind, such as finance charges, late payment fees, annual fees, over limit fees, balance transfer fees, convenience check fees, cash advance fees, and Rewards Program fees. Points may be subtracted for credits posted to the account during the period for returned purchases and/or adjustments. Changes made to the above list are at the sole discretion of Barclays and BJ's.

Your account must remain open and in good standing to receive points offered under the Program. If your Account is in default as described in your Cardmember Agreement, we reserve the right to prohibit you from earning or redeeming points and such a default may result in a forfeiture of any unredeemed points on your Account. If your Account is closed for any reason, your membership in the Program will be terminated and your total unredeemed point balance on your Account will be forfeited.

Earning Points
Points will accumulate at 2 (two) points per one dollar ($1.00) spent on eligible purchases at the front-end registers at BJ's Club locations and BJ's gas stations and online at BJ's web sites www.bjs.com and shop.bjs.com; points for all other purchases will accumulate at 1 (one) point per one dollar ($1.00) spent. Point accumulations will be reported monthly on your billing statement. Reward points are not transferable. A BJ's Bucks® check will be issued with your monthly statement in the amount of $30 for each 3,000 points accrued. Limit one BJ's Bucks check per statement and the BJ's Bucks check will be issued in increments of $30. Unused points will carry over to your next statement. Points are not transferable and will expire after 36 months. BJ's Bucks checks sent with your monthly statement will expire after 90 days if not redeemed.

If you are not a BJ's Member, you may be subject to a BJ's Non-Member surcharge to shop at BJ's Clubs. BJ's Bucks Checks can only be redeemed for purchases as permitted by law, for BJ's merchandise only through the front-end registers at BJ's Club locations. BJ's Bucks checks must be surrendered at the redemption and no photocopies will be honored. BJ's Bucks checks may not be redeemed for cash. BJ's Bucks checks are not transferable. Use of any BJ's Bucks checks is subject to any additional restrictions listed on the check.

From time to time, BJ's may offer special promotions on BJ's merchandise. If you are a BJ's Primary Member (A Primary member is the person who purchases a BJ's Membership under his or her name) or a paid Supplemental Member, you can earn additional points on these promotional offers. For a complete listing of BJ's specials and promotions, please visit your local BJ's store or www.bjs.com.

Other Restrictions
Barclays reserves the right to modify or cancel the Rewards Program at any time. Points, rewards, and certificates have no value except as used in accordance with the Terms and Conditions of the Program.

Determination and payment of tax liability related to participation in the Program are the sole responsibility of the Cardmember.

Neither BJ's nor Barclays are responsible for lost, stolen or damaged BJ's Bucks checks.

The Rewards Program is void where prohibited by federal, state or local law. Fraud or abuse relating to the accrual of points or redemption of Rewards may result in forfeiture of accrued points as well as cancellation of membership in the Program.

Important Information about BJ's Membership Auto Renew
On the application you were advised that you will be enrolled in BJ's Membership Auto Renew unless you decline this enrollment. If you did not decline this enrollment and you are approved for the BJ's Visa credit card, your BJ's Membership will be automatically renewed and billed directly to your BJ's Visa credit card. You agree that Barclays and BJ's may share information, including contact information. If you would like to enroll or cancel Auto Renew, please contact BJ's at 1-800-BJS-CLUB.

Important Information about BJ's Membership Number
When you applied for the BJ's Visa Card issued by Barclays Bank Delaware, you were requested to provide a BJ's Membership number. If you are a BJ's Primary or paid Supplemental Member, and gave us the Primary Cardmember's membership number, we will print that membership number on the back of your BJ's Visa credit card. In addition to being used for purchases, your new BJ's Visa credit card can also act as your BJ's membership card.

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