0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 11.99%-19.99%*. No annual fee*. Free employee cards. Zero fraud liability* protects you against unauthorized transactions. This product is available in the following states: AR,AZ,CA,CO,IA,ID,IL,IN,KS,KY,MN,MO,MT,ND,NE,NM,NV,OH,OR,SD,TN,UT,WA,WI,WY.