Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Independent Savings Plan

Disclosures U24 5 with promo plans

The filed agreement discloses a purchase APR of 7%–18%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Disclosures U24 5 with promo plans
Purchase APR7%–18% (variable)
Annual fee$25

Analysis

Little could be extracted from Independent Savings Plan's Disclosures U24 5 with promo plans agreement. What follows is a short account of the gaps rather than a full pricing analysis.

Limited disclosure

Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.

What did come through: a purchase APR of 7% to 18% and an annual fee of $25. That is the whole of it.

Padding this page with generalities about Independent Savings Plan or about credit cards at large would not make it more useful. The filed PDF is linked above; for this agreement it is the only reliable source, and it should be read directly.

What is outside the disclosure

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

The document itself

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

There is not enough in this filing to characterise the card's cost. Read the linked agreement; this page will not pretend to more than it has.

The source document

This page is a reading of one document: the cardholder agreement Independent Savings Plan filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

Applications are handled by Independent Savings Plan, not by us. We do not take applications and cannot say whether you would be approved.

Go to Independent Savings Plan

Other cards from Independent Savings Plan

All 9 agreements from Independent Savings Plan

Where this card sits

Groups this agreement qualifies for, by its own disclosed terms:

Comparable cards from other issuers

Closest disclosed purchase APR among cards in the same groups.