APRs for Purchases and Balance Transfers: 0% Introductory APR through the last day of the twelfth billing cycle from account opening. After that your APR will be 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 of $250). You will be charged interest on the cash advances and balance transfers on the transaction posting date. Cash Advance Fee is either $10 or 4% of the amount of each cash advance, whichever is greater. Your introductory APR may end and the purchase APR will be applied if you fail to make a minimum monthly payment within 60 days after the payment due date.