4. For new accounts, as of October 2026: Variable Purchase and Balance Transfer APRs of 17.74% - 31.74% based on your credit worthiness at the time of account opening and the Prime Rate. Variable Cash Advance APR of 32.74%, based on Prime Rate. Variable Penalty APR up to 33.74%, based on Prime Rate. Minimum Interest Charge is $3. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.