1APR = Annual Percentage Rate. Promotional rate of 3.99% APR applies to qualifying purchases and balance transfers made from 11/12/2019 – 12/31/2019. Foreign transaction fees may apply. Does not apply to cash advances. The rate will revert back to cardholder’s standard rate six months from 12/31/2019. The APR for cash advances varies based on current credit standing and is disclosed at time of approval. Must meet credit union eligibility requirements. Other restrictions may apply. Terms and conditions are subject to change without notice. 2Double rewards points are earned on qualifying purchases from 11/12/2019 – 12/31/2019.