The 0% introductory APR applies to purchases and is valid for the first 24 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 24 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 12/12/25 the current undiscounted variable APR for Purchases and Balance Transfers is 16.99% to 27.99% based on your creditworthiness. The variable APR for Cash Advances is 30.49%. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of each foreign Purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of 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 an 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. U.S. Bank 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 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 balances in the order of highest to lowest APR.
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