*Introductory Annual Percentage Rate is subject to membership, eligibility, terms, creditworthiness, change & conditions. Other rates, terms, minimum credit limits, and requirements may apply. Promotional rates end six calendar months from the date cards are issued. Thereafter, APRs will return to the lowest available variable rate, with a maximum of 18%. Lowest variable APR is 11.74% as of 3/1/2025. Special & volunteer accounts are ineligible.