You must be at least 18 years of age to apply, and reside in Arkansas, Kansas, Missouri or Oklahoma. Annual Fee: $0 with no rewards program; $24.95 annually with optional rewards program. Grace Period: You have 25 days on average to repay your balance before a Finance Charge will be posted. Balance Transfer Fee: None. Cash Advance Fee: Either $4 or 4% of the amount of the advance, whichever is greater. Foreign Transaction Fee: 1% of each transaction in US dollars.