*APR=Annual Percentage Rate. 1.99% Promotional Rate for 12 months on balance transfers. Purchase and Cash Advance APR: 10.24% - 18.00%. All APRs in effect as of 1/1/2017. Cash Advance Fee: greater of 2% or $10.00. No annual fee. Minimum nance charge $0.50. Subject to credit approval. Visa is a registered trademark of Visa International Service Association and used under license. Offer is not valid to payoff existing First Capital loans. Balance transfer rate and design your own card promotion applies to new and existing cardholders. Balance transfers must be completed between 1/1/2017 and 3/31/2017 to qualify for promotional pricing. For new credit card accounts opened between 1/1/2017 and 3/31/2017, to receive the 750 bonus rewards points the first purchase transaction must post on or before 3/31/2017.