Tz49af D 0525(afti)

First National Bank's filed agreement for Tz49af D 0525(afti) discloses a 29.9% purchase APR and a $49 annual fee. Against the 4,587 filings on this site, that rate lands around the 72nd percentile.

The disclosed terms

What follows is drawn entirely from First National Bank's CFPB filing for Tz49af D 0525(afti). The filing runs five pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

Pricing the purchase rate

Measured against every other filing on the site, 29.9% is about the 72nd percentile for purchase APR; it is dearer than the typical filing.

The arithmetic of revolving

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $418 in interest.

On a median-priced agreement from this index (21.99%) the same $1,200 would run about $295 a year, so this card costs in the region of $123 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $29.84.

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.

Default pricing

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

The fee structure

Holding the card costs $49 a year before any transaction takes place — about the 87th percentile among agreements in this index that state a fee.

Taking cash against the card means a cash advance fee of 2% and a cash advance APR of 29.9%. 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.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

The issuer's other agreements

10 separate First National Bank filings appear in the corpus. Across that lineup purchase rates span 18.4% to 29.9%; this filing's 29.9% sits above 2 of the comparable ones.

Its $49 annual fee is higher than 2 of the 9 sibling filings that state one.

The limits of this document

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Reading the agreement yourself

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

In short

The pricing here is middling by the standards of the index — 29.9% on purchases is near enough to typical. Note that the $49 annual fee falls due whether the card is used or not.