ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES	% when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate.
APRS FOR BALANCE TRANSFERS	% introductory APR for on balance transfers made in the first days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of %.
APR FOR CASH ADVANCES	%
PENALTY APR AND WHEN IT APPLIES	% if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date.
HOW TO AVOID PAYING INTEREST ON PURCHASES	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance, including balance transfers and cash advances, by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
ANNUAL FEE	None
CASH ADVANCE FEE	None
BALANCE TRANSFER FEE	%

 *Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.

Credit card applications completed online will require your agreement to receive application notifications and disclosures electronically.

Cardholders may sign up for free electronic statement notification to avoid paying a $ fee for mailed paper statements.

Rate and offers current as of and are subject to change. 

^ Introductory APR on purchases made the first months after account opening. After that, the APR for the unpaid purchase balance and any new purchases will be based on your creditworthiness which includes an evaluation of your credit history and will vary with the market based on the Prime Rate.

Refer to the Traditional Program Benefits Guide (PDF) for detailed information.