Grace period: Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date of each month. Domestic Cash Advance Fees (including convenience checks): 4% of the amount of each transaction ($5.00 minimum). Balance Transfer Fee: 4% of the transaction amount ($5.00 minimum). Foreign Transaction Fee: 3% of each transaction conducted outside of the U.S. Foreign Country Cash Advances (including convenience checks): 4% of the transaction amount ($5.00 minimum and $1,000.00 maximum).