1 9 26 GO Level B Cardholder Agreement

On the record for 1 9 26 GO Level B Cardholder Agreement: a 18.99% purchase APR, no annual fee and a 2.9% introductory rate, filed by First International Bank and Trust. That purchase rate ranks near the 40th percentile across this corpus of 4,587 filings.

What the document actually states

The document behind this page is First International Bank and Trust's filed agreement for 1 9 26 GO Level B Cardholder Agreement. The filing runs four pages.

Terms captured from the document include 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.

The promotional period

A promotional rate of 2.9% applies for six months under this agreement — lower than the standard rate, but not free.

Among the 763 filings here that disclose an introductory rate, 2.9% sits at about the 73rd percentile.

The go-to rate is 18.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $1,045 a year on $5,000.

How the purchase rate compares

Set beside the rest of the index, the purchase APR of 18.99% lands at the 40th percentile; it comes in under the midpoint 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 the rate means in dollars

Put $4,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $836.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $147 cheaper for the same debt.

Per statement cycle that is on the order of $62.91 on $4,000, which is the number that actually shows up on a bill.

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

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 21.99%. That is 3 points above the purchase rate. The two halves of that fee cross at about $167: below it the flat $5 applies, above it the percentage does.

The transfer fee is $5 or 3% of the amount transferred, whichever is greater; transferred balances then run at 18.99%. Shifting $3,000 across attracts something like $90 in fees on day one.

Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.

When a payment is late

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

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

The limits of this document

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

How it sits in the issuer's own range

There are 16 filings from First International Bank and Trust in this index. The issuer's own range is 9.99%–27.99%. At 18.99%, this agreement is dearer than 7 of its siblings.

On fees, 9 of the 15 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

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 pricing here is middling by the standards of the index — 18.99% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.