*Annual Percentage Rate. Variable Cards APR: RatePlaceholder to RatePlaceholder. Penalties apply for late and missed payments. Variable Rate Information: On variable rate programs, your APR may vary quarterly. The index is the highest Prime Rate charged by banks as published in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April, 1, July 1, and October 1. Your APR is equal to: as low as Prime index + 5.50%. An increase in the index will result in an increase to your APR. Rates vary based on creditworthiness of borrower(s) at time of application. Must be 18 or older to apply; subject to credit approval. All offers and rates subject to change at any time. Floor rates and restrictions apply. All loans subject to credit approval.