*APR = Annual Percentage Rate. Offer available for new cardholders only. 1.99% introductory APR on each qualifying balance transfer for 12 months and 0% introductory APR on qualifying purchases for 6 months. Balance transfers and purchases must be made within 90 days of account opening to qualify for the introductory APR rate. After introductory period, variable rate APR for unpaid balance and subsequent purchases and for cash advances and balance transfers will range from 9.99% to 17.99% depending on creditworthiness. Rates current as of December 9, 2020 and subject to change. Eligibility for the lowest rate is based on credit worthiness, ability to repay, credit score, and term of loan. Cannot be combined with any other offer. Other conditions may apply. Cash advances, credit card checks, and balance transfers do not earn reward points. After the promotional period, the APR will vary with the market based on the Prime Rate. The credit union reserves the right to change or end promotion at any time. To qualify for benefits of cell phone insurance, cell service provider bill must be billed to a Power Financial Credit Union Visa® Signature Credit Card. The deductible for coverage is $50. Reimbursement for phone replacement or repair may not exceed $250.00 per occurrence with a maximum benefit of $500 per year. To qualify for benefits of rental car insurance, the rented vehicle must have the charge from provider billed to a Power Financial Credit Union Visa® Credit Card. For terms and restrictions for Visa® benefits, please see full details in the Visa® Benefits Information supplied with your credit cards documents.