**Promotional rate is valid for balance transfers that are received and posted by 12/31/19. The promotional rate does not apply to cash advances and credit purchases. 2.99% annual percentage rate (APR) expires twelve months from the date of your balance transfer, at which time the APR will revert to the non-promotional rate of 9.90% or 11.90%, depending upon the card type. Account must be in good standing to qualify. Limit subject to credit approval. Contact us for more details.