Buc ees Platinum Mastercard Disclosure

On the record for Buc ees Platinum Mastercard Disclosure: a purchase APR of 13.49%–17.99%, no annual fee, a 0% opening rate and a 17.99% penalty rate, filed by Texas Dow Employees Credit Union. That purchase rate ranks near the 28th percentile across this corpus of 4,587 filings.

What the document actually states

Buc ees Platinum Mastercard Disclosure is one of the agreements Texas Dow Employees Credit Union has on file with the CFPB. It is issued on the Mastercard network and the filing runs 12 pages.

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

What the promotional rate is worth

The filing discloses a 0% introductory rate, though it does not state how long the promotional period runs.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

The go-to rate is 17.99%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $394 a year on $2,000.

Where the purchase APR sits

Rather than a single purchase rate, the document gives a band — 13.49% at the bottom, 17.99% at the top, 4.5 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 25th percentile at the bottom and the 28th 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.

The arithmetic of revolving

A $1,500 balance left untouched for twelve months accrues about $296 in interest at this purchase rate.

A typical filing in this index would charge about $369 on that balance; this one is roughly $73 a year below it.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The fee structure

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 APR of 13.49%.

When a payment is late

If the account defaults, the filing permits a rate of 17.99%. Among disclosing agreements here that ranks near the 12th percentile.

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

How it sits in the issuer's own range

There are 14 filings from Texas Dow Employees Credit Union in this index. Pricing across this issuer's filings is uniform at 17.99% — the rate table does not distinguish one of its cards from another.

What the filing does not tell you

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

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.

Where the authority sits

This summary stands or falls on the linked PDF — 12 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 17.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.