Establish or rebuild your credit history, and earn interest on your collateral deposit. Your Secured Credit Card will require a collateral deposit into an interest bearing Secured Credit Card Savings Account. Grace Period: Card issuer will not charge you any interest on Purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.50. Foreign Transaction Fee: 1% of each transaction in US dollars; 2% of each transaction in non-US dollars. Balance Transfer Fee: None. Cash Advance Fee: None.