Best Egg Q4 2025 Visa Cardmember Agreement (Variable Rate)

Column's filed agreement for Best Egg Q4 2025 Visa Cardmember Agreement (Variable Rate) discloses a purchase APR of 16.24%–33.49% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 79th percentile.

What the agreement puts on the record

This page covers the agreement Column filed for Best Egg Q4 2025 Visa Cardmember Agreement (Variable Rate). The filing runs 20 pages, and It is issued on the Visa network.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. A balance transfer rate and a penalty rate are not stated.

The purchase APR against the corpus

Purchases price between 16.24% and 33.49% under this filing. The 17.25-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 40th percentile and the high end around the 79th — the band straddles a wide stretch of the market this corpus describes.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What a balance actually costs

A $2,000 balance left untouched for twelve months accrues about $795 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $303 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $55.79.

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.

The fee structure

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

For cash advances the filing discloses a cash advance APR of 16.24%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Default pricing

The maximum late fee is $15 — roughly the 11th percentile of the late fee ceilings disclosed across this index.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

A minimum interest charge of $0.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The issuer's other agreements

This is one of 10 Column agreements collected here. The issuer's own range is 33.99%–34.74%. At 33.49%, this agreement is dearer than 0 of its siblings.

1 of the issuer's other 4 disclosing filings are likewise fee-free.

What you cannot learn from the filing

The disclosure parsed here does not state balance transfer terms and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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

The filed PDF is linked from this page and runs 20 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The pricing here is middling by the standards of the index — 33.49% on purchases is near enough to typical.