Best Egg Q4 2025 Visa Cardmember Agreement (Fixed Rate)

The Best Egg Q4 2025 Visa Cardmember Agreement (Fixed Rate) filing from Column sets out a 33.99% purchase APR and a $4 annual fee. Against the 4,587 filings on this site, that rate lands around the 79th percentile.

What the document actually states

What follows is drawn entirely from Column's CFPB filing for Best Egg Q4 2025 Visa Cardmember Agreement (Fixed Rate). The filing runs 20 pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

The purchase rate in context

Ranked against the corpus, this purchase APR — 33.99% — sits at approximately the 79th percentile and sits in the more expensive half.

This filing states a fixed purchase rate, which sets it apart from the variable pricing that dominates the rest of the index.

The arithmetic of revolving

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,618 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $635 a year on $4,000 — is the price of this particular filing over a typical one.

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.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Fees, and what triggers them

$4 a year is the disclosed annual fee, which ranks near the 76th percentile of the fees filed across this corpus.

Expressed in the card's own terms, the $4 fee equals about a year's interest on a $12 balance at the disclosed 33.99% purchase rate.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 33.99%. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%.

Transfers are charged a flat $0, though no distinct transfer APR appears in the document.

The downside terms

$15 is the disclosed ceiling on a late payment fee, placing it near the 11th percentile of the set.

Grace period and minimum charge

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $0.50. On a tiny balance that floor can dwarf the rate itself.

Against the rest of Column's filings

There are 10 filings from Column in this index. The issuer's own range is 33.49%–34.74%. At 33.99%, this agreement is dearer than 1 of its siblings.

What you cannot learn from the filing

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

This summary stands or falls on the linked PDF — 20 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 33.99% on purchases is near enough to typical. Note that the $4 annual fee falls due whether the card is used or not.