Consumer WE DTC 2 2026

Consumer WE DTC 2 2026 v17, as filed by First Arkansas Bank and Trust, carries a 14.49% purchase APR, a $299 annual fee and a 0% opening rate. That purchase rate ranks near the 13th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement First Arkansas Bank and Trust filed for Consumer WE DTC 2 2026 v17. The filing runs four pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

The interest-free window

The filing discloses a 0% introductory rate, though it does not state how long the promotional period runs.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

Behind the promotion sits a 14.49% purchase rate. On $5,000 that is in the region of $779 a year once the window closes.

The purchase rate in context

At 14.49%, the purchase APR falls at roughly the 13th percentile of the 2,280 filings indexed here, which reads as inexpensive against the rest of the filings.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

The cost of carrying a balance

At the disclosed purchase APR, $5,000 revolving for a full year costs something like $779 in interest.

Measured against the 21.99% corpus median, the same $5,000 costs approximately $450 less per year here.

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.

Grace period and minimum charge

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What a missed payment costs

On the fee side, a late payment can cost up to $35, which is around the 54th percentile here.

The fee structure

The annual fee is $299, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 98th percentile.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 27.49%. Cash is therefore 13 points dearer than buying something with the card. $200 is the crossover point where the percentage overtakes the $10 minimum. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Moving a balance onto this card carries an up-front charge of $10 or 4% of the amount transferred, whichever is greater, with the transferred balance priced at 18.24%. Shifting $1,000 across attracts something like $40 in fees on day one.

How it sits in the issuer's own range

There are 19 filings from First Arkansas Bank and Trust in this index. The issuer's own range is 15.24%–23.49%. At 14.49%, this agreement is dearer than 0 of its siblings.

Its $299 annual fee is higher than 10 of the 11 sibling filings that state one.

What you cannot learn from the filing

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Reading the agreement yourself

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

In short

The purchase rate of 14.49% is one of the cheaper figures in this index — the central point in the agreement's favour. The $299 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.