The APR may vary. The variable APR for purchases and balance transfers is 19.99% - 26.99% (based on your creditworthiness). The variable APR for cash advances 32.24%. Cash advance fee: 5% of each advance amount, $10 minimum. Convenience check fee: 3% of each check amount, $5 minimum. Cash equivalent fee: 5% of each cash amount, $10 minimum. Balance transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $195 every year for the account owner. Foreign transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 0% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances.
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