American visitors have had to bring cash to Cuba and exchange it for Cuban currency at state institutions that impose a 10% fee. The new card carries no annual fee and offers a 0% introductory interest rate for one year and after that a 13.5% to 14.5% annual rate. Stonegate has provided banking services for the Cuban government since July 2015. Before visiting, however, you will need to sign a "Personal Compliance Certification Form" attached below certifying that you are traveling under one of the 12 categories authorized by U.S. regulations, including religious and professional purposes. All additional authorized users on your credit card account must complete a compliance certification form. Credit cards will only be issued to U.S. citizens or permanent resident aliens of the United States of America.