Start building your credit while you're still in college. Purchase and Balance Transfer Introductory Rates: 5.90% to 13.90% introductory APR for 6 months, based on your creditworthiness; after that your APR will be 11.15% to 21.15% (variable), based on your creditworthiness. Balance Transfer Fees: Either $5 or 3% of the amount of each balance transfer, whichever is greater, for 6 months; after that, up to 5% for each balance transfer, with a minimum of $5. Cash Advance Fee: Either $10 or 5% of the amount of each advance, whichever is greater. Returned Check or Returned Payment Fee: Up to $35 each.