Annual Fee: $99. For balance transfers and purchases, the variable APR is 18.24%, 22.24% or 27.24% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 27.49%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information, see the “About the Variable APRs on Your Account” section of the Terms and Conditions. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $5). Cash advance fees: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.