signature cardmember agreement blended

On the record for signature cardmember agreement blended: a 21.74% purchase APR, no annual fee and a 29.99% penalty rate, filed by UBS Bank USA. The purchase rate sits at roughly the 47th percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement UBS Bank USA filed for signature cardmember agreement blended. The filing runs 18 pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.

The purchase APR against the corpus

Measured against every other filing on the site, 21.74% is about the 47th percentile for purchase APR; it lands near the median.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The cost of carrying a balance

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $364 in interest.

A typical filing in this index would charge about $369 on that balance; this one is roughly $5 a year below it.

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.

Penalty pricing and late fees

The agreement discloses penalty pricing of 29.99% — about the 61st percentile of the 794 penalty rates recorded across this index.

The jump from 21.74% to 29.99% is 8.25 percentage points, worth roughly $267 extra per year on $2,500 of balance.

Late payments are capped at $38 under this filing, about the 60th percentile of late fee maximums in the corpus.

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.

Taking cash against the card means a cash advance APR of 28.74%. That is 7 points above the purchase rate. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The filing discloses a 21.74% balance transfer rate without an accompanying fee figure.

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

The grace period

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

What is outside the disclosure

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

Everything here is a reading of the filed agreement, 18 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 21.74% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.