buybuy BABY® Mastercard® Credit Card Agreement

On the record for buybuy BABY® Mastercard® Credit Card Agreement: a 14.74% purchase APR and a $10 annual fee, filed by Comenity Capital Bank. That purchase rate ranks near the 13th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

This page covers the agreement Comenity Capital Bank filed for buybuy BABY® Mastercard® Credit Card Agreement. The filing runs 27 pages, and It is issued on the Mastercard network.

Terms captured from the document include a purchase rate, a balance transfer rate, an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a cash advance rate, a penalty rate and a grace period.

The purchase APR against the corpus

Ranked against the corpus, this purchase APR — 14.74% — sits at approximately the 13th percentile and falls in the low band of the corpus.

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

The purchase rate turns a $2,500 revolving balance into roughly $397 of annual interest.

The corpus median purchase rate is 21.99%, which on the same $2,500 would cost about $615 a year. This filing saves roughly $218 annually against that benchmark.

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.

The grace period

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

When a payment is late

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

What the card costs before you borrow

$10 a year is the disclosed annual fee, which ranks near the 76th percentile of the fees filed across this corpus.

Expressed in the card's own terms, the $10 fee equals about a year's interest on a $68 balance at the disclosed 14.74% purchase rate.

Year one is free of the fee per the filing; $10 applies thereafter.

Cash advances carry a cash advance fee of 26.74%.

The transfer fee is $10 or 5% of the amount transferred, whichever is greater; transferred balances then run at 26.99%. Transferring $1,000 would cost roughly $50 at the door.

Spending abroad costs an extra 3% — about $45 on $1,500 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Against the rest of Comenity Capital Bank's filings

There are 100 filings from Comenity Capital Bank in this index. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 14.74% is more expensive than 0 of them.

Its $10 annual fee is higher than 52 of the 89 sibling filings that state one.

What you cannot learn from the filing

This page cannot tell you a grace period and penalty pricing, 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.

Where the authority sits

The filed PDF is linked from this page and runs 27 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 14.74% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. The $10 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.