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After the intro period, the purchase APR is 9.40%-16.40% variable.As with the other Tru West cards, this one is only available to members.

After those 15 months, purchases are subject to a standard APR of 16.49% - 25.24% Variable.

This provides you well over a year to pay off any purchases without accruing interest, and you receive great perks such as no late fees, no penalty rate and no annual fee.

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