*APR = Annual Percentage Rate. The 0.00% balance transfer rate is a promotional rate offered for balance transfers made January 1, 2018 – March 31, 2018. Remaining promotional balances will revert to regular VISA rates starting in the billing cycle of November 2018. The regular VISA Platinum rate is a variable-rate and is currently as low as 9.49% APR. The regular VISA Signature rate is a variable-rate and is currently as low as 11.49% APR. Rates are based on your credit score and an index based on The Wall Street Journal Prime Rate and can change based on the market. Offer excludes all other previous balances and transactions. Purchases and cash advances do not qualify for promotional rate. Balance transfer fees will be waived.