RH Account Summary Table and Cardholder Agreement

TD Bank's filed agreement for RH Account Summary Table and Cardholder Agreement discloses a 24.99% purchase APR and no annual fee. The purchase rate sits at roughly the 60th percentile of the 4,587 agreements indexed here.

The disclosed terms

RH Account Summary Table and Cardholder Agreement is one of the agreements TD Bank has on file with the CFPB. The filing runs four pages.

The disclosure covers a purchase rate, an annual fee line and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

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

Where the purchase APR sits

At 24.99%, the purchase APR falls at roughly the 60th percentile of the 2,280 filings indexed here, which comes in above the median.

What a balance actually costs

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $851 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $114 a year on $3,000 — is the price of this particular filing over a typical one.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

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.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The issuer's other agreements

This is one of 39 TD Bank agreements collected here. The issuer's own range is 16.74%–29.99%. At 24.99%, this agreement is dearer than 2 of its siblings.

On fees, 34 of the 36 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The limits of this document

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.

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.

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

At 24.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.