0% Introductory APR on credit card purchases and balance transfers for 12 months from Account opening; after that, a variable APR of 12.99%, 16.99% or 22.99% will apply, based on your creditworthiness. 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. There is no Annual Fee nor Foreign Transaction Fee. Penalty APR: 29.99% (variable); if your APRs are increased for the stated reason, the Penalty APR may apply indefinitely.