Must be a member of Teachers FCU. 25 day grace period on purchases. Open a NEW Platinum, Classic, or No Frills card through December 31, 2015 to receive the 1.99% APR promotional rate. The promotional rate for Purchases and Balance Transfers is 1.99% for new cardholders and will extend through 9 billing cycles from your initial qualifying transaction. Balance Transfers must be a minimum of $1,000. No Balance Transfer Fee for promotional period. When the promotional period ends, any new or outstanding balance transfers will revert to the then Standard APR for your card type, which is currently 9.36% for the Classic No Frills Card. Balance Transfer Fee: $5 or 2% of the amount of each balance transfer, whichever is greater. Cash Advance Fee (ATM): $5 or 2% of the amount of each cash advance, whichever is greater. Cash Advance Fee (Over-the-Counter): $0.01 or 2% of the amount of each cash advance, whichever is greater (Maximum Fee: $999.99). Foreign Transaction Fee: 1% of each multiple currency transaction in U.S. dollars; 0.80% of each single currency transaction in U.S. dollars. Returned Convenience Check Fee Up to $15.