0% Introductory APR for the first 18 months on card purchases and balance transfers; after that, a variable APR of 12.99%, 16.99% or and 22.99% will apply, based on your creditworthiness. There is no annual fee and no foreign transaction fee. A Cash Advance Fee of either $10 or 4%, whichever is greater, will apply on each cash advance transaction. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check. An Overdraft Transaction Fee of either $10 or 4%, whichever is greater, will apply to the overdraft amount, if applicable. Penalty APR: 29.99% (variable); if your APRs are increased for the stated reason, the Penalty APR may apply indefinitely.