*APR = Annual Percentage Rate. The 0.00% rate is a promotional rate offered for new VISA account qualifying transactions within the first 180 days of account activation. Promotional balances will revert to regular VISA rates starting in the billing cycle six months from account activation. The regular VISA Platinum rate is a variable-rate and is currently as low as 10.99% APR. The regular VISA Signature and CC Rewards rate is a variable-rate and is currently as low as 12.99% APR. Rates are based on your credit score and an index based on The Wall Street Journal Prime Rate and can change annually based on the market. Offer excludes all other previous balances and transactions. Cash advances do not qualify for promotional rate. Balance transfer fees will be waived during promotional period.