Consumer World DTC 2 2026

The Consumer World DTC 2 2026 v17 filing from First Arkansas Bank and Trust sets out a 15.74% purchase APR, a $35 annual fee and a 0% opening rate. Against the 4,587 filings on this site, that rate lands around the 16th percentile.

On the face of the filing

First Arkansas Bank and Trust submitted the terms for Consumer World DTC 2 2026 v17 to the CFPB's agreement database; this is what they contain. The filing runs four 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 foreign transaction fee.

The promotional period

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

Once the introductory period ends the rate becomes 15.74%, which turns a lingering $5,000 balance into approximately $852 of annual interest.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 15.74% lands at the 16th percentile; it reads as inexpensive against the rest of the filings.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

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

A $1,200 balance left untouched for twelve months accrues about $205 in interest at this purchase rate.

The corpus median purchase rate is 21.99%, which on the same $1,200 would cost about $295 a year. This filing saves roughly $91 annually against that benchmark.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

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

The fee structure

Holding the card costs $35 a year before any transaction takes place — about the 82nd percentile among agreements in this index that state a fee.

For scale, $35 is approximately what $222 of revolving balance would cost in interest over twelve months at this card's 15.74% rate.

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 27.49%. That is 11.75 points above the purchase rate. $200 is the crossover point where the percentage overtakes the $10 minimum.

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 19.24%. Transferring $3,000 would cost roughly $120 at the door.

When a payment is late

$35 is the disclosed ceiling on a late payment fee, placing it near the 54th percentile of the set.

The grace period

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.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

What is outside the disclosure

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

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 issuer's other agreements

There are 19 filings from First Arkansas Bank and Trust in this index. The issuer's own range is 14.49%–23.49%. At 15.74%, this agreement is dearer than 3 of its siblings.

Where the authority sits

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

In short

The purchase rate of 15.74% is one of the cheaper figures in this index — the central point in the agreement's favour. The $35 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.