Cash Advances: 0% Introductory APR for Balance Transfers and Cash Advance Checks through your first twelve statement Closing Dates; after that the Standard APR is 7.9% for Platinum Plus accounts, or 13.99% for Preferred accounts. The Introductory APR may end sooner if your payment is late or the account balance is over the credit limit

As required by law, rates, fees, and other costs of this credit card offer are disclosed here. All account terms are governed by the Credit Card Agreement sent with the card. Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.

See ¹ and ² below for explanation.

¹Each time your minimum payment is late (i.e., not received by 5 p.m., ET, on its Payment Due Date), or the account balance is over-the-credit-limit, we may increase each of your account's Standard APRs up to the Default APR. The Default APR will be applied to all new and outstanding balances.

If your account has balances with different APRs, payments are applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. This means that balances with higher APRs are not reduced until balances with lower APRs have been paid off.

² The Introductory APR is effective upon the opening of your account and does not apply to Purchases, or to Bank and ATM Cash Advances. When the introductory APR expires, the Standard (non-introductory) APR for your account is applied to new and outstanding balances (consisting of Balance Transfers and Cash Advance Checks). If your payment is late or the account balance is over the credit limit, either the Standard APR or the Default APR may be applied to those balances as of the first day of the billing cycle in which the payment was late or the balance exceeded the credit limit. We reserve the right to change the Standard APRs and the Default APR on your account. REMINDER: To preserve the grace period for new purchases, pay your New Balance Total in full and on time. The 0% APR does not apply to purchases.