Before you read the numbers.
The filing discloses a promotional rate alongside the ongoing rate. The figure shown here is the go-to rate that applies once the promotional period ends, because that is the rate that governs for the life of the account.
Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Purchase APR | 17.49%–23.49% (variable) |
|---|---|
| Introductory APR | 0% for 12 months |
| Balance transfer APR | 23.49% |
| Cash advance APR | 24.49% |
| Annual fee | $0 |
| Late payment fee | up to $39 |
| Foreign transaction fee | 2.5% |
| Minimum interest charge | $0.5 |
Analysis
The Edge Pricing Addendum 11 18 2025 filing from Blue Ridge Bank sets out a purchase APR of 17.49%–23.49%, no annual fee and a 12-month 0% opening period. The purchase rate sits at roughly the 55th percentile of the 4,587 agreements indexed here.
What this filing discloses
What follows is drawn entirely from Blue Ridge Bank's CFPB filing for Edge Pricing Addendum 11 18 2025. The filing runs one page.
The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a grace period.
What the promotional rate is worth
A 12-month promotional period at 0% is on the record here — during it, qualifying balances cost nothing to carry.
Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.
Once the introductory period ends the rate becomes 23.49%, which turns a lingering $2,500 balance into approximately $662 of annual interest.
The promotional window is therefore worth something on the order of $662 on $2,500, measured against the same balance priced at the standard rate for the same period.
The purchase rate in context
The purchase APR is quoted as a range of 17.49% to 23.49%. That 6-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.
The floor of that band sits at about the 47th percentile of filed purchase rates; the ceiling sits at about the 55th. In corpus terms the same card can be cheap or expensive depending on how it is priced.
The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.
This figure is the post-promotional rate. The introductory pricing is handled separately further down.
What a balance actually costs
The purchase rate turns a $5,000 revolving balance into roughly $1,323 of annual interest.
A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $94 more per year.
There is also a floor: the filing sets a minimum interest charge of $0.50, so any cycle that accrues less than that is billed at $0.50 anyway.
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.
What the card costs before you borrow
There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.
Cash advances carry a cash advance APR of 24.49%. The premium over purchases is 1 percentage points. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.
The filing discloses a 23.49% balance transfer rate without an accompanying fee figure.
The filing sets a 2.5% foreign transaction fee, which adds roughly $125 to $5,000 spent outside the United States.
That is at the high end of this corpus — around the 83rd percentile of disclosed foreign transaction fees.
Default pricing
The maximum late fee is $39 — roughly the 63rd percentile of the late fee ceilings disclosed across this index.
The no-interest path
The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.
What you cannot learn from the filing
This page cannot tell you a grace period 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.
Go to the source
This summary stands or falls on the linked PDF — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
23.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.
The source document
This page is a reading of one document: the cardholder agreement Blue Ridge Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Blue Ridge Bank, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Blue Ridge Bank
This is the only agreement from Blue Ridge Bank in the database with enough disclosed terms to publish. See the issuer's full filing list.
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.