https://www.sonycard.sony.com/everquest/Default.aspx
You only get the free 3 months with your first purchase with the card. The ad doesn't mention the interest rate on the thing anywhere.
Edited for Fine Print.
Offer subject to credit approval. 3-month coupon will be e-mailed within 8-12 weeks after your first purchase. Offer valid through Sept. 30, 2005. First purchase must be made by December 31, 2005. Points are earned on Sony Card purchases only. Points are not earned on balance transfers, convenience checks, cash advances, or fees, including fees for products that protect or insure the balance of the Cardmember's account. You'll receive complete details when you become a Cardmember. ©2005 Sony Corporation of America. Sony Card is a service mark of Sony Corporation. © 2005 Sony Computer Entertainment America Inc. EverQuest is a registered trademark of Sony Computer Entertainment America Inc. SOE and the SOE logo are registered trademarks of Sony Online Entertainment Inc. "Where Adventure Comes Alive" is a trademark of Sony Computer Entertainment America Inc. The software platform logo (TM and ©) IEMA 2004. The ratings icon is a trademark of the Entertainment Software Association. All rights reserved. All other trademarks or trade names are properties of their respective owners. This offer can not be combined with any other Sony Card offer.