Variable APRs will vary with the market based on the Prime Rate. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies.

Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies.

Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies.

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