APR for Balance Transfers: 0% introductory APR for the first 9 billing cycles for balances transferred within 30 days from account opening; after that, 13.99% to 23.99% based on your creditworthiness. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction Fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 2.8% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Cash Equivalent Advance fee is either 4% of the amount of each advance or $20 minimum, whichever is greater. Returned Payment Fee: Up to $35.