APR for Purchases and Balance Transfers: 0.00% introductory APR for the first 12 billing cycles; after that, your APR will be 15.99%, 18.99%, 20.99%, or 22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 12 billing cycles; after that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance and Cash Equivalent Fees: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fees: 3% of each transaction in U.S. dollars. Penalty APR: None.