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* Balance transfer(s) must be submitted by April 28, 2026. 0.00% Promo APR good for first 12 billing cycles after the first initiated balance transfer. Variable APR thereafter is to , and is accurate as of . For new cardholders, APR may vary and is based on your creditworthiness and will vary with the market based on the U.S. Prime Rate. For existing cardholders, see your Credit Card Agreement and Truth-in-Lending Disclosure for your APR details. Payment may take up to two (2) weeks to process by the other financial institution. Foreign Transaction: Up to 1% of each transaction in U.S. dollars. Late Payment: $15 or the current minimum payment amount, whichever is less. Cash Back, Cash Back+, and Essential Credit Cards have a Cash Advance fee of either $10 or 3% of the amount of each transfer, whichever is greater. Rates, terms, and conditions subject to change. Exclusions: Smart Visa Credit Card and transfers from existing SAFE loans are excluded from promotional offer.
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