*Your initial Annual Percentage Rate (APR) will range from 7.00% to 18.00% based on the product you choose and your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount.