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Selected terms from the card website:
0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 billing cycles.
Transaction fee for Balance Transfers, non-online Direct Deposits, and Check Cash Advances:None of each such cash advance (minimum $0 ).
The Introductory APR is effective upon the opening of your account and does not apply to Bank and ATM Cash Advances, or online Direct Deposits. When a Promotional Period ends, the Standard Variable APR is calculated using the Variable-Rate Information and is applied to new and outstanding balances (consisting of Purchases, Balance Transfers, non-online Direct Deposits, and Check Cash Advances). If your payment is late or the account balance is over the credit limit, either the Standard Variable APR or the Default APR will be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. The current Standard Variable APR for Purchases and Balance Transfers is 18.24%. The current Standard Variable APR for non-online Direct Deposits and Check Cash Advances posted to your account either during the Promotional Period or before August 11, 2007 is 18.24%. The current Standard Variable APR for non-online Direct Deposits and Check Cash Advances posted to your account on or after August 11, 2007 and after the end of the Promotional Period is 24.24%. These rates may vary. We reserve the right to change the APRs in out discretion, including, for example, margins.
