If you are not eligible for the LifeMiles Visa® Card, you will be considered for the LifeMiles Visa Secured Card (rewards may vary). Annual Fee: $0 introductory annual fee for the first 12 months, after that $45. You will not be charged 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. Cash Advance and Cash Advance ATM: Either 4% of the amount of each advance or $5 minimum, whichever is greater. Foreign Transaction Fee: 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.