Card issuer is currently only accepting online applications from residents of Hawaii, Guam and the CNMI. APR for Purchases: 15.49%. This APR will vary with the market based on the U.S. Prime Rate. The rate will be determined by adding 10.99 percentage points to the Index, which is the highest U.S. Prime Rate (however, the Current Index will not be less than 4.50%). Over-the-Counter Cash Advance Fee: Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50). ATM Cash Advance Fee: Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50). Over-the-Credit Limit Fee: $29.95. Returned Payment Fee: $24.95. Foreign Transaction Fee: 2.5% of each transaction in U.S. dollars. Penalty APR: 18%; the Penalty APR will apply until you have made six consecutive Minimum Payments when due.