Card issuer is currently only accepting online applications from residents of Hawaii, Guam and the CNMI. APR for Balance Transfers: 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening; after that the APR will be 16.24% for Personal and Personal World Elite Accounts; 11.24% for Private Banking World Elite Accounts. These APRs will vary with the market based on the U.S. Prime Rate. Convenience Check Fee and 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: Up to $15 (only if you opt-in; N/A for World Elite accounts). Returned Payment Fee: Up to $35. Foreign Transaction Fee: 2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency. Penalty APR: 18%; the Penalty APR will apply until you have made six consecutive Minimum Payments when due.