Alphaeon Credit Card Current Credit Card Agreements

Comenity Capital Bank's filed agreement for Alphaeon Credit Card Current Credit Card Agreements discloses a 32.99% purchase APR and a $35.88 annual fee. That purchase rate ranks near the 78th percentile across this corpus of 4,587 filings.

What this filing discloses

This page covers the agreement Comenity Capital Bank filed for Alphaeon Credit Card Current Credit Card Agreements. The filing runs 20 pages.

Terms captured from the document include a purchase rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 32.99% lands at the 78th percentile; it sits in the more expensive half.

What the rate means in dollars

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,562 in interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $579 more per year.

Per statement cycle that is on the order of $109.89 on $4,000, which is the number that actually shows up on a bill.

Note the $3 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Charges beyond interest

Holding the card costs $35.88 a year before any transaction takes place — about the 84th percentile among agreements in this index that state a fee.

For scale, $35.88 is approximately what $109 of revolving balance would cost in interest over twelve months at this card's 32.99% rate.

Paying in full

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

This is one of 100 Comenity Capital Bank agreements collected here. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 32.99% is more expensive than 22 of them.

Among the issuer's other filings that disclose a fee, 53 of 89 come in below this card's $35.88.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. The original document is the place to look for any of these.

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.

The document itself

Everything here is a reading of the filed agreement, 20 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 32.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Note that the $35.88 annual fee falls due whether the card is used or not. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.