Card Agreement Sunbit Card

Card Agreement Sunbit Card, as filed by Transportation Alliance Bank, INC. Dba Tab Bank, carries a purchase APR of 8.99%–29.99% and no annual fee. The purchase rate sits at roughly the 74th percentile of the 4,587 agreements indexed here.

On the face of the filing

What follows is drawn entirely from Transportation Alliance Bank, INC. Dba Tab Bank's CFPB filing for Card Agreement Sunbit Card. The filing runs 17 pages.

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

How the purchase rate compares

The purchase APR is quoted as a range of 8.99% to 29.99%. That 21-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 7th percentile and the high end around the 74th — the band straddles a wide stretch of the market this corpus describes.

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 the rate means in dollars

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $699.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $492. The gap — roughly $207 a year on $2,000 — is the price of this particular filing over a typical one.

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.

What the card costs before you borrow

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.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The downside terms

$0 is the disclosed ceiling on a late payment fee, placing it near the 2nd percentile of the set.

Paying in full

Anyone clearing the statement balance inside 26 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Inside Transportation Alliance Bank, INC. Dba Tab Bank's filed lineup

Transportation Alliance Bank, INC. Dba Tab Bank has 6 agreements indexed on this site.

Go to the source

This summary stands or falls on the linked PDF — 17 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. The absence of an annual fee means the rate is the only thing that can make this card expensive.