APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 6 billing cycles; after that, your APR will be 9.99%, 12.99% or 17.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Introductory fee of either $10 or 4% of the amount of each transfer, whichever is greater, for balance transfers made in the first 6 billing cycles; after that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars. Returned Payment Fee: $35. Late Payment Fee: $35 if new balance is less than $500; $39 if the new balance is equal to or greater than $500. No Penalty APR.