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Introductory Rate of 0.00% for 12 months from date opened, on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
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Basic APR:	7.50%
Intro APR:	0%
Intro Period:	12 Months
Balance Transfer Intro APR:	1.99%
Balance Transfer Intro Period:	12 Billing cycles*
Balance Transfer APR:	7.50%
Balance Transfer Fee:	3% of the transfer amount
Cash Advance APR:	*
Cash Advance Fee:	See Terms*
Default APR:	*
Annual Fee:	$35
Late Fee:	$35
Foreign Purchase:	3%