Establish or re-build credit history with this card. Request your own credit limit by providing a deposit between $300 and $5,000, in $50 increments when you apply. Opportunity to move to a Platinum card in as little as 15 months when you maintain a good credit history with card issuer. Automatic reporting to the 3 major credit bureaus to help establish credit. U.S. citizenship is not required, but you must have a valid SSN or ITIN and a valid U.S. address. Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater. Penalty APR: None. Returned Payment Fee: Up to $35.