Annual Fee:  10 / 10<br>Purchases APR: 5.05 /10<br>Balance Transfer APR: 5.05 /10<br>Transfer Fee:  10 / 10<br>Grace Period:  2.78 / 10<br>user's rating: 4.3333333333333 / 10<br>bonus score: 5 / 10<br>total score: 5.92 /10