Must be a Justice FCU member. The VISA Classic Card is the perfect starter card, giving you the freedom to build your credit while enjoying all the exceptional benefits of being a Justice cardholder. APR for Purchases, Balance Transfers and Cash Advances: 0.00% Introductory APR for 6 months; after that your APR will be 16.90%. Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars; 1% of each U.S. Dollar transaction that occurs in a foreign country. Grace Period: The card company will not charge you interest on purchases if you pay your entire balance owed each month within at least 23 days of your statement closing date; card issuer will begin charging interest on cash advances and balance transfers on the transaction date. Late Payment Fee: Up to $25 after 10 days. Cash Advance Fee: Either $10 or 2% of the advance, whichever is greater (maximum $50). No annual fee, no balance transfer fee and no prepayment penalty.