AAA Visa Signature® credit card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for AAA Visa Signature┬« credit card Current Credit Card Agreements discloses a purchase APR of 17.74%–31.74% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 76th percentile.

The disclosed terms

AAA Visa Signature® credit card Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. It is issued on the Visa network and the filing runs 23 pages.

The filing is explicit about 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, a foreign transaction fee and a grace period.

The purchase rate in context

This is a tiered agreement: the filing discloses a purchase APR anywhere from 17.74% to 31.74%, a spread of 14 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Read against the index, the low end ranks around the 48th percentile and the high end around the 76th — the band straddles a wide stretch of the market this corpus describes.

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.

The arithmetic of revolving

Put $1,200 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $448.

A card priced at the corpus median of 21.99% would charge roughly $295 on that balance. This one charges about $153 more per year.

Small balances do not get a proportionally small bill — the agreement imposes a $3 minimum interest charge in any month where interest applies.

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

Penalty pricing and late fees

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

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 32.74%. That is 1 points above the purchase rate.

Balance transfers cost 31.74% of the amount transferred up front and then accrue at 17.74%. On $1,000 that fee is about $317 before any interest is charged.

The no-interest path

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

Against the rest of Comenity Capital Bank's filings

This is one of 100 Comenity Capital Bank agreements collected here. Across that lineup purchase rates span 14.74% to 35.99%; this filing's 31.74% sits above 8 of the comparable ones.

34 of the issuer's other 89 disclosing filings are likewise fee-free.

What is outside the disclosure

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

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.

Where the authority sits

This summary stands or falls on the linked PDF — 23 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 31.74% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive.