consumer credit card rates and fees

consumer credit card rates and fees, as filed by Pinnacle Bank - Synovus Bank Branch, carries a purchase APR of 16.99%–26.99%, a $50 annual fee and a 0% opening rate. The purchase rate sits at roughly the 65th percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement Pinnacle Bank - Synovus Bank Branch filed for consumer credit card rates and fees. It is issued on the Visa network and the filing runs two pages.

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

The filing bundles multiple products into one disclosure table. Any figure quoted here may describe a related card in the same filing, so the PDF should be read before treating these numbers as this card's own.

The interest-free window

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

The go-to rate is 26.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $1,549 a year on $5,000.

Pricing the purchase rate

The purchase APR is quoted as a range of 16.99% to 26.99%. That 10-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Those two numbers occupy very different places in the corpus: roughly the 44th percentile at the bottom and the 65th at the top.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

Translating the rate into money

The purchase rate turns a $1,500 revolving balance into roughly $465 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $96 more per year.

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

The annual fee is $50, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 88th percentile.

A first-year waiver applies according to the document — the $50 begins biting in year two.

The filing discloses a 16.99% balance transfer rate without an accompanying fee figure.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

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

Default pricing

On the fee side, a late payment can cost up to $39, which is around the 63rd percentile here.

Grace period and minimum charge

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

How it sits in the issuer's own range

This is one of 21 Pinnacle Bank - Synovus Bank Branch agreements collected here. Across that lineup purchase rates span 10.74% to 26.99%; this filing's 26.99% sits above 8 of the comparable ones.

Its $50 annual fee is higher than 5 of the 9 sibling filings that state one.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, a grace period and penalty pricing. The original document is the place to look for any of these.

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.

Go to the source

This summary stands or falls on the linked PDF — two 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 — 26.99% on purchases is near enough to typical. The $50 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.