Annual Fee: $50, waived for Pinnacle Plus or Pinnacle Checking Account customers. APR for Balance Transfers: 0.00% introductory APR for the first 12 months; after that, your APR will be 10.99%. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Either $10 or 3% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. No Foreign Transaction Fee. No Penalty APR. Loss of Introductory APR: Card issuer may end your introductory APR if you make a late payment. Returned Payment Fee: Up to $20.