MF Consumer Unsecured

The MF Consumer Unsecured 03312026 filing from Midfirst Bank sets out a purchase APR of 13.49%–21.49% and no annual fee. That purchase rate ranks near the 47th percentile across this corpus of 4,587 filings.

What the document actually states

This page covers the agreement Midfirst Bank filed for MF Consumer Unsecured 03312026. The filing runs 14 pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a grace period.

How the purchase rate compares

Purchases price between 13.49% and 21.49% under this filing. The 8-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 25th percentile of filed purchase rates; the ceiling sits at about the 47th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The arithmetic of revolving

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $288 in interest.

A typical filing in this index would charge about $295 on that balance; this one is roughly $7 a year below it.

Per statement cycle that is on the order of $21.38 on $1,200, which is the number that actually shows up on a bill.

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

The maximum late fee is $24.50 — roughly the 20th percentile of the late fee ceilings disclosed across this index.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 24.99%. The premium over purchases is 3.5 percentage points. 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.

Moving a balance onto this card carries an up-front charge of $10 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 0%. Transferring $5,000 would cost roughly $150 at the door.

The filing sets a 3% foreign transaction fee, which adds roughly $30 to $1,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Against the rest of Midfirst Bank's filings

Midfirst Bank has 7 agreements indexed on this site. The issuer's own range is 21.49%–23.49%. At 21.49%, this agreement is dearer than 0 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: a grace period 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.

Where the authority sits

This summary stands or falls on the linked PDF — 14 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 21.49% on purchases is near enough to typical.