Ethan Allen

On the record for Ethan Allen: a 29.99% purchase APR and no annual fee, filed by TD Bank. That purchase rate ranks near the 74th percentile across this corpus of 4,587 filings.

On the face of the filing

This page covers the agreement TD Bank filed for Ethan Allen. The filing runs four pages.

Terms captured from the document include a purchase rate, an annual fee line and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

How the purchase rate compares

At 29.99%, the purchase APR falls at roughly the 74th percentile of the 2,280 filings indexed here, which sits in the more expensive half.

Translating the rate into money

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,748.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $518 more annually for the identical balance.

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.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Inside TD Bank's filed lineup

This is one of 39 TD Bank agreements collected here. Across that lineup purchase rates span 16.74% to 29.99%; this filing's 29.99% sits above 6 of the comparable ones.

34 of the issuer's other 36 disclosing filings are likewise fee-free.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

This summary stands or falls on the linked PDF — four pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

29.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.