Balance Transfer Fee: $0 Intro fee on transfers made within 60 days of account opening. After that, either $10 or 3% of the amount of each transfer, whichever is greater, on transfers made within 4 months of account opening. Thereafter the fee for balance transfers is either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance Fees: Cash Loans, ATM Loans, and Convenience Checks: Either $10 or up to 3% of the amount of each advance, whichever is greater; Cash Equivalent Transactions: Either $20 or 5% of the amount of each advance, whichever is greater. Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater. The Index is determined monthly and it is the three month LIBOR. Penalty APR: Up to 29.99%; if your APRs are increased due to any default as described, the Penalty APR will apply indefinitely.