* Special reduced annual percentage rate (APR) is valid on qualifying balance transfers posted on or between January 2, 2025 and March 31, 2025. Promotional rate is good for 12 months from the first qualifying transaction post date, after which the promotional interest rate will return to the individual cardholder’s standard rate at the completion of the offer cycle. The APR is not valid on purchases or cash advances. See your credit card statement for further details. All loans are subject to approval. Some restrictions may apply.