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Terms:
Introductory 0% APR only for Balance Transfers* and Direct Deposits for your first 15 billing cycles. (These transactions are subject to a 3% transaction fee, no less than $10. A different fee may apply after the Intro APR ends.
0% Introductory APR for the first 15 statement Closing Dates following the opening of your account for all Balance Transfers and Direct Deposits. The Introductory APR will end sooner if your payment is late or the account balance is over the credit limit. After that, the Variable APR for any balances that were subject to the Introductory APR is between 8.24% and 18.24%, based on creditworthiness.
Fee for Balance Transfers and Direct Deposits that are subject to the Introductory APR: 3% of each such transaction (minimum $10).