Use this card wherever MasterCard is accepted worldwide. To apply you must be at least 18 years of age, be a U.S. resident residing in the United States, have a U.S. Social Security Number, have a street, rural route or APO/FPO mailing address (no PO Box addresses), and have a valid government-issued photo ID. Balance Transfer and Cash Advance Fees: The greater of $10 or 3% of the amount of the cash advance or balance transfer. Returned Payment Fee: Up to $35. Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars. Penalty APR: None.