For cash equivalent advances the fee is $20 or 4%, whichever is greater. Grace Period: The due date is 24-30 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater. Foreign Transaction Limit Fee Notes: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Returned Payment Fee: Up to $35. 2,500 bonus points for first purchase redeemable for a $25 statement credit. Redeem credit card reward points for unlimited cash back, brand name merchandise, gift cards or travel rewards.