*All loans subject to approval. Annual Percentage Rate (APR) for World or Platinum credit card purchases and balance transfers is 8.50% - 18.50% and is based on creditworthiness and the prime rate. APR may vary after the account is opened. Special promotional 0.00% APR applies only to purchases made from 11/21/18 to 12/31/18. Promotional rate of 0.00% APR will default back to the standard APR after 11 billing cycles or if the account has 2 consecutive late payments. Special promotional rate is not available on balance transfers or cash advances.