Annual Fee:  10 / 10<br>Purchases APR: 6.12 /10<br>Balance Transfer APR: 6.12 /10<br>Transfer Fee:  10 / 10<br>Grace Period:  2.78 / 10<br>user's rating: 3.95 / 10<br>bonus score: 4 / 10<br>total score: 5.67 /10