The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 12 billing cycles. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank 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. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit.
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