WB Cardholder Agreement

WB Cardholder Agreement 03 11 2026, as filed by Stride Bank, carries a purchase APR of 9.24%–35.24%, no annual fee and a 35.99% penalty rate. The purchase rate sits at roughly the 88th percentile of the 4,587 agreements indexed here.

The disclosed terms

What follows is drawn entirely from Stride Bank's CFPB filing for WB Cardholder Agreement 03 11 2026. The filing runs 14 pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, a penalty rate, an annual fee line and a late payment maximum. A balance transfer rate and a foreign transaction fee are not stated.

Where the purchase APR sits

The purchase APR is quoted as a range of 9.24% to 35.24%. That 26-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 8th percentile at the bottom and the 88th 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.

What a balance actually costs

A $5,000 balance left untouched for twelve months accrues about $2,111 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $882 more per year.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Where the fees are

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.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 12.24%. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%.

Default pricing

If the account defaults, the filing permits a rate of 35.99%. Among disclosing agreements here that ranks near the 70th percentile.

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

The no-interest path

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

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

The issuer's other agreements

This is one of 5 Stride Bank agreements collected here. The issuer's own range is 31.74%–35.24%. At 35.24%, this agreement is dearer than 1 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: balance transfer terms and a foreign transaction fee. 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.

The document itself

The original filing, 14 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

35.24% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. The absence of an annual fee means the rate is the only thing that can make this card expensive.