Duns# 077145902 Vantage Mastercard Agreement and Disclosure Statement

On the record for Duns# 077145902 Vantage Mastercard Agreement and Disclosure Statement 093024: a purchase APR of 15.74%–22.74% and a 33.49% penalty rate, filed by Vantage Credit Union. That purchase rate ranks near the 52nd percentile across this corpus of 4,587 filings.

What the agreement puts on the record

Duns# 077145902 Vantage Mastercard Agreement and Disclosure Statement 093024 is one of the agreements Vantage Credit Union has on file with the CFPB. The filing runs six pages, and It is issued on the Mastercard network.

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

One important caveat sits on top of everything else here: the rate table in this filing covers more than one product. Figures shown on this page may belong to a sibling card in the same table rather than to this one, and only the PDF can settle which row applies.

Where the purchase APR sits

Rather than a single purchase rate, the document gives a band — 15.74% at the bottom, 22.74% at the top, 7 points wide. The agreement discloses the range without disclosing how an account is placed within it.

The floor of that band sits at about the 37th percentile of filed purchase rates; the ceiling sits at about the 52nd. In corpus terms the same card can be cheap or expensive depending on how it is priced.

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 a balance actually costs

A $1,500 balance left untouched for twelve months accrues about $383 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $14 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $28.29.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Charges beyond interest

Foreign transactions attract 1%. On $1,000 of overseas spending that is $10, charged on top of whatever exchange rate applies.

Penalty pricing and late fees

A penalty APR of 33.49% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 69th percentile.

Measured in money, moving from 22.74% to 33.49% costs an extra $285 or so annually on $2,000 — a far larger number than any single late fee.

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a grace period, 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.

Against the rest of Vantage Credit Union's filings

19 separate Vantage Credit Union filings appear in the corpus. The issuer's own range is 17.49%–22.74%. At 22.74%, this agreement is dearer than 16 of its siblings.

The document itself

The original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 22.74% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The multi-product table is the larger caveat: these numbers are the table's, not necessarily this card's.