Must be an ESL Federal Credit Union member. Annual Fee: $0 if you do not participate in the Rewards program; $50 Annual Fee if you participate in the Rewards Program. APR for Purchases: 3.99% Introductory APR for six billing cycles following the account open date; after that, 9.99%; this APR will vary with the market based on the Prime Rate. Balance Transfer and Cash Advance Fees: None. International Service Assessment Fee: 1% of transaction amount. Late Payment Fee: $39. Returned Payment Fee: $35. Over the Credit-Limit Fee: $39. Penalty APR: 18%; if your APRs are increased for the reason stated, the Penalty APR will be applied until the billing cycle after your twelfth consecutive monthly payments that is paid by the due date.