Annual Percentage Rate (APR) for Purchases8.9% to 16.9% when you open your account, based on your creditworthiness. APR for Balance Transfers10.9% to 18.0%  when you open your account, based on your creditworthiness.APR for Cash Advances10.9% to 18.0% when you open your account, based on your creditworthiness.Penalty APR and When it AppliesNot ApplicableHow to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.Minimum Interest ChargeNot ApplicableFor Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreAnnual FeeNoneTransaction FeesBalance TransferNoneCash AdvanceNoneForeign Transaction1% of each transaction in US DollarsPenalty FeesLate paymentUp to $25 Over-the-Credit LimitNoneReturned PaymentUp to $25 Other FeesCard Replacement$5The information about the costs of the card described in this application/solicitation is accurate as of September 2016. This information may have changed after that date. To find out what may have changed, call us at 1-866-734-7233 or write to us at PO Box 310136 Tampa, FL 33680-0136.Interest Rates and Interest ChargesFeesHow We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)".  See your account agreement for more details.