VENUS Credit Card Current Credit Card Agreements

The VENUS Credit Card Current Credit Card Agreements filing from Comenity Bank sets out a 30.24% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 75th percentile.

What the agreement puts on the record

What follows is drawn entirely from Comenity Bank's CFPB filing for VENUS Credit Card Current Credit Card Agreements. The filing runs 19 pages.

The filing is explicit about a purchase rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Pricing the purchase rate

Measured against every other filing on the site, 30.24% is about the 75th percentile for purchase APR; it is dearer than the typical filing.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What a balance actually costs

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $529 in interest.

Against the corpus median of 21.99%, that is approximately $161 a year of extra interest on the same $1,500.

There is also a floor: the filing sets a minimum interest charge of $3, so any cycle that accrues less than that is billed at $3 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.

Where the fees are

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.

Penalty pricing and late fees

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

The grace period

The $3 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period, 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.

Inside Comenity Bank's filed lineup

45 separate Comenity Bank filings appear in the corpus. The issuer's own range is 30.24%–35.99%. At 30.24%, this agreement is dearer than 0 of its siblings.

14 of the issuer's other 41 disclosing filings are likewise fee-free.

Go to the source

This summary stands or falls on the linked PDF — 19 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 — 30.24% on purchases is near enough to typical.