Applicant must be 18 years of age, have a US address, and a Social Security number. A minimum security deposit of $300 is required ($5,000 maximum). You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction fees: 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. Cash Equivalent Advance fee is either 4% of the amount of each advance or $10 minimum, whichever is greater. Convenience Check Cash Advance fee is either 3% of the amount of each advance or $5 minimum, whichever is greater. Returned Payment fee: Up to $35. Annual Membership Fee: $0 introductory annual fee for the first 12 months, after that $25.