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 terms and conditions apply to residents of New York and New Jersey. The terms and conditions may be different for FL and Puerto Rico residents (see website for details).