Automatic reporting to the 3 major credit bureaus, which can help build a positive credit history. Request your credit limit by providing a deposit between $300 and $5,000, in $50 increments, when you apply. U.S. citizenship is not required, but you must have a valid SSN or ITIN and U.S. address. Opportunity to move to a deposit free card in as little as 15 months when you maintain a good payment history with card issuer. APR for Purchases and Balance Transfers: 17.99%. This APR will vary with the market based on the Prime Rate. Balance Transfer Fee: Either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance or Cash Equivalent Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Penalty APR: None.