APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles. After that, your APR will be 13.99%, 15.99, 18.99, 20.99 or 22.99%, 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 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance 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. Penalty APR: If your APRs are increased for the stated reasons, the Penalty APRs may apply indefinitely. Returned Payment Fee: Up to $35.