ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 1/1/26: Variable Purchase APR 19.74%, 23.74% or 27.74%. Variable Bal Trans APR 19.74%, 23.74% or 27.74% and 5% Fee ($5 min). Variable Cash APR 29.74% and 5% Fee ($10 min). Variable Penalty APR 29.74%, 33.74% or 37.74%. Min Interest Charge $2. Annual Fee $99.