Annual Percentage Rate (APR) for purchases
A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that, 17.24% variablea or 23.24% variable, depending on our review of your application and credit history.
Other APRs
Balance Transfer APR: A 0% fixed APR for the first 6 billing cycles following the opening of your account. After that, 17.24% variable or 23.24% variable, depending on our review of your application and credit history.
Cash Advance APR: 24.24% variable
Default APR: 32.24% variable. See explanation below.b
Overdraft Advance APR: 13.99% fixed (not available in some states)
Variable rate information
The following APRs may vary monthly based on the Prime Rate:c
Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 8.99% or 14.99% for outstanding and new balances after the introductory period.
Cash Advance APR: The Prime Rate plus 15.99%.
Default APR: The Prime Rate plus up to 23.99%.d
Grace period for repayment of purchase balances
At least 20 days
Method of computing the balance for purchases
Two-cycle average daily balance method (including new purchases).
Annual fee
None
Minimum finance charge
$1.00
Transaction fee for balance transfers
3% of the amount of each transaction, but not less than $5.00 nor more than $75.00.
Transaction fees for cash advances
3% of the amount of the transaction, but not less than $10.00.
Other fees
Late Payment fee: $15.00 if the balance is up to but not including $250.00; $39.00 if the balance is $250.00 and over.
Over-the-Credit-Limit fee: $39.00
International Transactions: 3% of the U.S. dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency.