Agreement Standard Credit Card final

PNC Bank's filed agreement for Agreement Standard Credit Card final discloses no annual fee and a 25.74% penalty rate.

What this filing discloses

What follows is drawn entirely from PNC Bank's CFPB filing for Agreement Standard Credit Card final. The filing runs 15 pages.

The disclosure covers 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.

The grace period

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The typical filing here allows 25 days, so this one is tighter than most.

A minimum interest charge of $1.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

When a payment is late

A penalty APR of 25.74% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 48th percentile.

Late payments are capped at $38 under this filing, about the 60th percentile of late fee maximums in the corpus.

Charges beyond interest

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.

Spending abroad costs an extra 3% — about $60 on $2,000 of purchases, independent of interest.

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

How it sits in the issuer's own range

This is one of 20 PNC Bank agreements collected here.

What the filing does not tell you

This page cannot tell you a purchase rate, anything about cash advances and balance transfer terms, because the filing's disclosure table as read does not contain them.

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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, 15 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.