Blue Nile Credit Card Credit Card Agreement

Blue Nile Credit Card Credit Card Agreement, as filed by Comenity Capital Bank, carries a 29.24% purchase APR and no annual fee. That purchase rate ranks near the 70th percentile across this corpus of 4,587 filings.

What this filing discloses

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Blue Nile Credit Card Credit Card Agreement. The filing runs 22 pages.

Terms captured from the document include 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Where the purchase APR sits

29.24% puts the purchase APR near the 70th percentile across 2,280 agreements, so it sits in the more expensive half.

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

A $3,000 balance left untouched for twelve months accrues about $1,018 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $281 a year on $3,000 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $72.94 on $3,000, which is the number that actually shows up on a bill.

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.

Fees, and what triggers them

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.

What a missed payment costs

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

What you cannot learn from the filing

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.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The issuer's other agreements

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 29.24% sits above 6 of the comparable ones.

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

Go to the source

This summary stands or falls on the linked PDF — 22 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 — 29.24% on purchases is near enough to typical. 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.