Good Sam Rewards Credit Card Current Credit Card Agreements

The Good Sam Rewards Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 35.99% purchase APR. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

Good Sam Rewards Credit Card Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. The filing runs 14 pages.

On the record here: a purchase rate and a late payment maximum. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

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

The purchase rate in context

At 35.99%, the purchase APR falls at roughly the 97th percentile of the 2,280 filings indexed here, which is about as high as anything filed here.

Translating the rate into money

The purchase rate turns a $1,500 revolving balance into roughly $649 of annual interest.

On a median-priced agreement from this index (21.99%) the same $1,500 would run about $369 a year, so this card costs in the region of $281 more annually for the identical balance.

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

Penalty pricing and late fees

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Grace period and minimum charge

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

Inside Comenity Capital Bank's filed lineup

This is one of 100 Comenity Capital Bank agreements collected here. The issuer's own range is 14.74%–35.99%. At 35.99%, this agreement is dearer than 47 of its siblings.

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, 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.

Go to the source

Everything here is a reading of the filed agreement, 14 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.