Designed for first-time cardholders looking to establish credit. Must be a member of America's First FCU, a community chartered credit union. You may be eligible to join if you live, work, worship or attend school in select counties in Alabama. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction Fee: If you make a transaction in a foreign currency, it will be converted into a U.S. Dollar amount. The exchange rate for transactions in a foreign currency will be a rate selected by Visa, plus a 1% transaction fee.