3.9% for the first six (6) months the account is opened, then
8.9% - 15.9%

Balance Transfer APR
3.9% for the first six (6) months the account is opened, then 8.9% - 15.9%

Cash Advance APR
8.9% - 15.9%

Penalty APR³
17.95%  

¹ Of transaction amount
² If more than ten (10) days late
³ Your rate will change to 17.95% if you account is two cycles delinquent at any time.  Once in penalty pricing, you will automatically revert to your original rate after 6 consecutive on-time payments.

The information about the costs of the card described here is accurate as of 10/15/2011. This information may have changed after that date. To find out what may have changed, contact 804-748-1417.