Must be a Justice FCU member. 0.00% Introductory APR is not available for all previous credit union card account holders. Foreign Transaction Fee: 1.00% of each foreign currency transaction in U.S. dollars; 1.00% 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. The card issuer will begin charging interest on cash advances and balance transfers on the transaction date. Late Payment Fee: Up to $25.00 after 10 days. Balance Transfer Fee: Either $10 or 2%, whichever is greater (maximum $50). Cash Advance Fee: Either $10 or 2% of the advance, whichever is greater (maximum $50).