<prompt> Human: I shop on amazon regularly, wondering if this is a rip off or decent? Also its saving me 70 dollars on my purchase.Purchase Annual Percentage Rate APR15.99 to 23.99, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.aBalance Transfer APR15.99 to 23.99, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.aCash Advance APR26.74. This APR will vary with the market based on the Prime Rate.Transaction FeesBalance TransfersEither 5 or 5 of the amount of each transfer, whichever is greater.Cash AdvancesEither 10 or 5 of the amount of each transaction, whichever is greater.Foreign TransactionsNonePenalty FeesLate PaymentUp to 15 if the balance is less than 100; up to 27 if the balance is 100 to less than 250; up to 37 if the balance is 250 or more.Return PaymentUp to 37.Return CheckNone  <response>: If you are a buying on amazon anyway, and b paying off your card every cycle, then its a great deal. 5 cash back really cant be beat. 