ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 11/1/25: Variable Purchase APR 19.99%, 23.99% or 27.99%. Variable Bal Trans APR 19.99%, 23.99% or 27.99% and 5% Fee ($5 min). Variable Cash APR 29.99% and 5% Fee ($10 min). Variable Penalty APR 29.99%, 33.99% or 37.99%. Min Interest Charge $2. Annual Fee $99.