*APR=Annual Percentage Rate. Salal loans are subject to credit approval. Balance transfer promotion only valid on Salal Classic and Rewards Visa. Length of promotional period will be 0% APR for 12 billing cycles from date of last balance transfer. Promotional APR available for new balance transfers only and applies to transfers made between November 16, 2019 – January 31, 2020. After the promotional period ends, the standard variable APR will be applied to unpaid promotional balances. The standard variable APR is between 9.49% to 17.24% for our Classic card and 11.49% to 14.99% for our Rewards card. APR is determined when you open your account and is based upon your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. To avoid paying interest on new purchases, the entire account balance (including any promotional balance) must be paid in full each month by the payment due date. Information is current as of November 16, 2019 and is subject to change without notice. Offer excludes balances on existing Salal credit cards or loans. Additional limitations, terms, and conditions apply.