APR for Purchases and Balance Transfers: 0.00% Introductory APR for the first twelve months; after that your APR will be a variable 14.99% - 21.99 based on your creditworthiness. Balance Transfer Fee: $10 or 4% of the amount of the transfer, whichever is greater. Cash Advance Fee: $10 or 4% of the amount of each advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction after conversion to U.S. dollars. Card issuer may end your introductory or promotional APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.