Grace Period: Your due date is at least 25 days after the close of each billing cycle. The card issuer will not charge you any interest on purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: Either $12 or 3.00% of the amount of each balance transfer, whichever is greater. Cash Advance Fee: Either $12 or 3.00% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3.00% of each transaction in U.S. Dollars. Late Payment and Returned Payment fee is equal to the amount of the minimum payment or $25, whichever is greater.