¹Introductory Rate is available to members who meet minimum credit score and underwriting criteria. Cardholder must qualify. Credit card purchases made during the first 12 months your credit card account is open qualify for 0% APR for 12 months (365 days from the date your account is opened). Cash advances and balance transfers made during the first 12 months your credit card account is open quality for 3.99% APR to 8.99% APR for 12 months (365 days from the date your account is opened). When the Introductory Rate period has ended, the rate applied to any remaining outstanding balance for those transactions will be at the cardholder’s standard Credit Card rate. (Platinum Credit Cards that are share secured are excluded from the Introductory Offers.)

² We'll rebate fees you are charged when using your Mastercard credit card to make a purchase from a merchant outside of the U.S.