* Discounted rates are for a maximum of 3 years on purchases and balance transfers made during this promotional period of 2/15/2016 to 4/15/2016. 2,500 points maximum rewarded for balance transfers made during the promotional period per member. Regular rates apply to all cash transactions such as ATM withdrawals and cash advances. As of 1/1/2016, regular rates were: Platinum 8.9% APR, Gold 10.9% APR and Classic 15.9% APR. Rates conditions and programs subject to change without notice.