Agreement Spend Wise Credit Card 6

On the record for Agreement Spend Wise Credit Card 6 75: no annual fee and a 12.74% penalty rate, filed by PNC Bank.

What the agreement puts on the record

This page covers the agreement PNC Bank filed for Agreement Spend Wise Credit Card 6 75. The filing runs nine pages.

The filing is explicit about a penalty rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

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.

What a missed payment costs

If the account defaults, the filing permits a rate of 12.74%. Among disclosing agreements here that ranks near the 3rd percentile.

The maximum late fee is $38 — roughly the 60th percentile of the late fee ceilings disclosed across this index.

Paying in full

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. The typical filing here allows 25 days, so this one is tighter than most.

Where interest applies at all, the filing bills at least $1.50. On a tiny balance that floor can dwarf the rate itself.

What the filing does not tell you

The disclosure parsed here does not state a purchase rate, anything about cash advances and balance transfer terms. 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.

The issuer's other agreements

PNC Bank has 20 agreements indexed on this site.

On fees, 12 of the 19 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

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

In short

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.