1 5% cash back on grocery, restaurant, and food delivery service purchases will be earned on new purchases made between May 1 and June 30, 2020. 2 Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Late Payment Fee: $15 or the current minimum payment amount, whichever is less. Returned Payment Fee: Up to $10. Foreign Transaction Fee: 1% of each transaction in U.S. dollars. See SAFE for cash rewards terms and conditions. Rates, terms, and conditions subject to change. All loans subject to approval.