Applicant must be 18 years of age and have a U.S. address and Social Security Number. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Cash Equivalent Advance fee is either 4% of the amount of each advance or $20 minimum, whichever is greater. Returned Payment Fee: up to $35.