7 1 2025 Badlands Cardholder Agreement

7 1 2025 Badlands Cardholder Agreement, as filed by First International Bank and Trust, carries a 14.88% purchase APR and no annual fee. The purchase rate sits at roughly the 14th percentile of the 4,587 agreements indexed here.

The disclosed terms

First International Bank and Trust submitted the terms for 7 1 2025 Badlands Cardholder Agreement to the CFPB's agreement database; this is what they contain. 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 and a foreign transaction fee.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 14.88% lands at the 14th percentile; it reads as inexpensive against the rest of the filings.

The arithmetic of revolving

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $192 in interest.

Measured against the 21.99% corpus median, the same $1,200 costs approximately $103 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.

The fee structure

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.

Taking cash against the card means a cash advance fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 18%. Cash is therefore 3.12 points dearer than buying something with the card. $167 is the crossover point where the percentage overtakes the $5 minimum.

Moving a balance onto this card carries an up-front charge of $5 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 14.88%. Transferring $1,000 would cost roughly $30 at the door.

The no-interest path

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.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

When a payment is late

Late payments are capped at $35 under this filing, about the 54th percentile of late fee maximums in the corpus.

The issuer's other agreements

This is one of 16 First International Bank and Trust agreements collected here. Across that lineup purchase rates span 9.99% to 27.99%; this filing's 14.88% sits above 1 of the comparable ones.

9 of the issuer's other 15 disclosing filings are likewise fee-free.

What the filing does not tell you

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 14.88% is one of the cheaper figures in this index — the central point in the agreement's favour.