Cardholder Agreement Classic

The Cardholder Agreement Classic 1 31 2026 filing from Bankers' Bank of Kansas sets out a 17.17% purchase APR and a $50 annual fee. The purchase rate sits at roughly the 21st percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

Cardholder Agreement Classic 1 31 2026 is one of the agreements Bankers' Bank of Kansas has on file with the CFPB. It is issued on the Visa network and the filing runs two pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 17.17% — sits at approximately the 21st percentile and is on the cheaper side of the median.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

The purchase rate turns a $4,000 revolving balance into roughly $749 of annual interest.

The corpus median purchase rate is 21.99%, which on the same $4,000 would cost about $983 a year. This filing saves roughly $234 annually against that benchmark.

Per statement cycle that is on the order of $56.84 on $4,000, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

The annual fee is $50, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 88th percentile.

One way to size that fee: at the card's own purchase rate of 17.17%, $50 is roughly the interest a balance of about $291 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

The filing states the fee is waived for the first year, so the $50 is a second-year cost rather than an immediate one.

Cash advances carry a cash advance APR of 21%. That is 3.83 points above the purchase rate.

The downside terms

The maximum late fee is $29 — roughly the 47th percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The limits of this document

Absent from the captured terms: balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Where the authority sits

The original filing, 2 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

At 17.17% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The $50 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.