New cardholders with excellent credit will receive a 0% APR on purchases for one year, although less qualified applicants will only receive a purchase APR of 7.5%.
Cardholders will receive an introductory finance rate of 1.99% for one year on balance transfers, with a 2% balance transfer fee. Subsequently, cardholders will incur interest at the standard rate for purchases.
Customers will be assigned a standard APR based on their credit worthiness. Those with excellent credit will receive a variable rate equal to the Prime Rate plus 4.25%. Less qualified applicants will receive an APR equal to the Prime plus 6.25% or 8.25%.
No Annual Fee
Rates & Terms
Purchase Intro APR
Balance Transfer Period
0.00% - 7.50%, based on credit worthiness
7.50%, 9.50% or 11.50%
Purchase Intro Period: 12 months
Balance Transfer Intro Rate: 1.99% - 7.5%, based on credit worthiness
Balance Transfer Rate: 7.50%, 9.50% or 11.50%
Cash Advance Rate: 12.75%, 14.75% or 16.75%
Late Fee: Up to $35
Cash advance Fee: 5% (minimum fee $5, maximum $100)