APR for Balance Transfers: 0% introductory APR for the first 9 months from the transfer date (for transfers made within the first 3 months of account opening); after that, your APR will be 9.99% to 23.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Card issuer may end your introductory APR if you make a late payment. Balance Transfer Fee: 3% of the amount of each transfer (min. $5; max. $100). Cash Advance Fee: $29. Convenience Check Fee: 3% of each transaction (min. $5; max. $100). Foreign Transaction Fee: 3% of each transaction in U.S. dollars. These rates and fees apply to NJ and NY. Rates and fees in FL and Puerto Rico may differ (see website for disclosures).