• Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period. • Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services. • Online access to credit card account information • Low Annual Fee of $35.00.