DentalFirst Financing Credit Card Current Credit Card Agreements

On the record for DentalFirst Financing Credit Card Current Credit Card Agreements: a 28.99% purchase APR and no annual fee, filed by Comenity Capital Bank. The purchase rate sits at roughly the 69th percentile of the 4,587 agreements indexed here.

On the face of the filing

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for DentalFirst Financing Credit Card Current Credit Card Agreements. The filing runs 12 pages.

The filing is explicit about 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.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 28.99% lands at the 69th percentile; it runs above the midpoint of the corpus.

The arithmetic of revolving

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $672 in interest.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $181 more per year.

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.

Paying in full

Where interest applies at all, the filing bills at least $3. On a tiny balance that floor can dwarf the rate itself.

When a payment is late

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

The fee structure

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Inside Comenity Capital Bank's filed lineup

100 separate Comenity Capital Bank filings appear in the corpus. The issuer's own range is 14.74%–35.99%. At 28.99%, this agreement is dearer than 5 of its siblings.

On fees, 34 of the 89 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

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.

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

The original filing, 12 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 28.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.