MF Consumer Unsecured

MF Consumer Unsecured 03312026, as filed by Midfirst Bank, carries a purchase APR of 13.49%–21.49% and no annual fee. The purchase rate sits at roughly the 47th percentile of the 4,587 agreements indexed here.

What this filing discloses

Midfirst Bank filed this agreement for MF Consumer Unsecured 03312026 with the Consumer Financial Protection Bureau. The filing runs 14 pages.

On the record here: 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

The purchase APR is quoted as a range of 13.49% to 21.49%. That 8-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

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

At the disclosed purchase APR, $1,000 revolving for a full year costs something like $240 in interest.

A typical filing in this index would charge about $246 on that balance; this one is roughly $6 a year below it.

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.

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.

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%. That is 3.5 points above the purchase rate. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 0%. Shifting $5,000 across attracts something like $150 in fees on day one.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

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

Default pricing

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

Against the rest of Midfirst Bank's filings

This is one of 7 Midfirst Bank agreements collected here. Across that lineup purchase rates span 21.49% to 23.49%; this filing's 21.49% sits above 0 of the comparable ones.

The limits of this document

The disclosure parsed here does not state a grace period and penalty pricing. 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.

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.

Where the authority sits

Everything here is a reading of the filed agreement, 14 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 — 21.49% 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.