intro balance transfer APR0% intro for first 15 billing cycles following each BT that posts within 45 days of account opening
balance transfer feeEither $5 or 5% of the amount of each transfer, whichever is greater.
balance transfer APR20.74%, 24.74%, or 29.74%, variable
late payment feeUp to $40 (the amount of the fee varies by state)
foreign transaction fees0% of each transaction in U.S. dollars.