This card may only be used for business purposes. Purchase APRs: 0% until the last day of the billing period ending July 2014; then the standard APR, a rate between 12.99% and 19.99% variable. Purchase Check Purchases: a rate between 12.99% and 19.99% variable. Grace Period of at least 21 days when you pay your balance in full each month. Overlimit Fee: None if balance exceeds Account credit line by less than $1,000; $39 if balance exceeds Account credit line by $1,000 or more. Late Fee: $15 if the balance is $100 or less; $39 if the balance is greater than $100.