*Annual Percentage Rate. Fixed rate for twelve months from the date of balance transfer. Rates return to the current variable rate following the twelve month promotional period. Limited Time Only. Promotion begins 1/1/2023. Promotion is only for balance transfers for existing NET credit cardholders completed by March 31, 2023. New card holders are eligible for this promotion for a full 12 months beginning within 90 days of account opening. A 3% balance fee is charged per balance transfer. Equal opportunity lender.