Credit Card AOD Rewards 700 759 with Intro of 7 49%

On the record for Credit Card AOD Rewards 700 759 with Intro of 7 49% 02 28 2025: a 18% purchase APR, filed by Align Credit Union. That purchase rate ranks near the 34th percentile across this corpus of 4,587 filings.

On the face of the filing

Align Credit Union submitted the terms for Credit Card AOD Rewards 700 759 with Intro of 7 49% 02 28 2025 to the CFPB's agreement database; this is what they contain. The filing runs three pages.

Terms captured from the document include a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The row carrying the purchase rate is unlabelled in the original document; it is reported here as the most likely purchase figure rather than a certain one.

Where the purchase APR sits

Ranked against the corpus, this purchase APR — 18% — sits at approximately the 34th percentile and sits below the middle of the distribution.

The arithmetic of revolving

Carry $2,500 on this card for a year without paying it down and the purchase rate alone generates roughly $493 in interest.

Measured against the 21.99% corpus median, the same $2,500 costs approximately $122 less per year here.

Month to month it reads as about $37.25 per cycle on that balance.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What the card costs before you borrow

For cash advances the filing discloses a cash advance fee of $5 or 2% of the advance, whichever is greater. The two halves of that fee cross at about $250: below it the flat $5 applies, above it the percentage does.

Spending abroad costs an extra 1% — about $50 on $5,000 of purchases, independent of interest.

When a payment is late

$10 is the disclosed ceiling on a late payment fee, placing it near the 6th percentile of the set.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Inside Align Credit Union's filed lineup

This is one of 8 Align Credit Union agreements collected here. Their disclosed purchase rates run from 11.75% to 18%, and this one at 18% is more expensive than 1 of them.

What the filing does not tell you

This page cannot tell you balance transfer terms, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

The original filing, 3 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

18% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.