APR for Purchases: 0% Introductory APR through the last day of the twelfth billing cycle from account opening; after that 13.24% - 20.24% based on your creditworthiness. Balance transfer fee is either $10 or 3% of the amount of each transfer, whichever is greater (maximum fee is $250). You will be charged interest on the cash advances and balance transfers on the transaction posting date. The Cash Advance fee is either $10 or 4% of the amount of each cash advance, whichever is greater. Grace Period: Your due date is at least 24 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay your entire balance by the due date each month.