Available to members of Saratoga FCU. Promotional rate of 6.99% APR applies to any Balance Transfer and Cash Advance request received before December 31, 2014 and will remain at that rate until the amount of the Balance Transfer or Cash Advance is paid off. All Balance Transfers and Cash Advances taken out after December 31, 2014 will reflect the standard APR, currently 9.90% APR. This Visa Platinum card has no annual fee, no balance transfer fee, no cash advance fee, no overlimit fee, no default rate, no minimum monthly charge, and no finance charge on purchases when you payoff the entire balance within 25 days. All rates disclosed are FIXED with the exception of the promotional Balance Transfer and Cash Advance rate of 6.99% APR.