Target Credit Agreement

The Target Credit Agreement 11 30 2025 filing from TD Bank USA sets out a 21.45% purchase APR and no annual fee. That purchase rate ranks near the 46th percentile across this corpus of 4,587 filings.

The disclosed terms

TD Bank USA submitted the terms for Target Credit Agreement 11 30 2025 to the CFPB's agreement database; this is what they contain. It is issued on the Mastercard network and the filing runs seven pages.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 21.45% — sits at approximately the 46th percentile and is about typical for the filings collected here.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

Translating the rate into money

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $287 in interest.

A typical filing in this index would charge about $295 on that balance; this one is roughly $8 a year below it.

Per statement cycle that is on the order of $21.34 on $1,200, which is the number that actually shows up on a bill.

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

Where the fees are

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.

Taking cash against the card means a cash advance APR of 22.65%. That is 1.2 points above the purchase rate.

When a payment is late

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The limits of this document

This page cannot tell you balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Inside TD Bank USA's filed lineup

There are 10 filings from TD Bank USA in this index. The issuer's own range is 19.65%–31.9%. At 21.45%, this agreement is dearer than 1 of its siblings.

Where the authority sits

The original filing, 7 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

The pricing here is middling by the standards of the index — 21.45% on purchases is near enough to typical.