ANNUAL FEE and NO FOREIGN TRANSACTION FEE: New Accounts as of 1/1/25: Variable Purchase APR 20.49%, 24.49% or 28.49%. Variable Bal Trans APR 20.49%, 24.49% or 28.49% and 5% Fee ($5 min). Variable Cash APR 30.49% and 5% Fee ($10 min). Variable Penalty APR 30.49%, 34.49% or 38.49%. Min Interest Charge $2. Annual Fee $99.