Must be a Municipal Credit Union member. Ideal first card - simple and flexible. Foreign Transaction Fee: 1% of each transaction in U.S. dollars. Cash Advance Fee: Either $1 or 3% of the amount of each cash advance, whichever is greater ($30 maximum fee). Grace Period: The due date is a minimum of 25 days after the close of each billing cycle. The card issuer will not charge you interest on Purchases if you pay your entire balance by the due date each month. Card issuer will begin charging interest on Cash Advances on the date of the transaction. Returned Payment Fee: Up to $20.