Interval World Mastercard Current Credit Card Agreements

On the record for Interval World Mastercard Current Credit Card Agreements: a 35.24% purchase APR and a $35.88 annual fee, filed by Comenity Capital Bank. That purchase rate ranks near the 88th percentile across this corpus of 4,587 filings.

What this filing discloses

Interval World Mastercard Current Credit Card Agreements is one of the agreements Comenity Capital Bank has on file with the CFPB. It is issued on the Mastercard network and the filing runs 25 pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate and a grace period.

The purchase APR against the corpus

At 35.24%, the purchase APR falls at roughly the 88th percentile of the 2,280 filings indexed here, which sits in the expensive end 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 $5,000 revolving balance into roughly $2,111 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $882 more per year.

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

Grace period and minimum charge

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

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

What the card costs before you borrow

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.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 35.24%.

The transfer fee is 26.99% of the amount transferred; transferred balances then run at 26.99%. On $5,000 that fee is about $1,350 before any interest is charged.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

Against the rest of Comenity Capital Bank's filings

Comenity Capital Bank has 100 agreements indexed on this site. The issuer's own range is 14.74%–35.99%. At 35.24%, this agreement is dearer than 46 of its siblings.

Its $35.88 annual fee is higher than 53 of the 89 sibling filings that state one.

What the filing does not tell you

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.

The document itself

The filed PDF is linked from this page and runs 25 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The defining fact about this filing is the purchase rate: at 35.24% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Note that the $35.88 annual fee falls due whether the card is used or not.