AvantCard Cardmember Agreement Annual INTRO

AvantCard Cardmember Agreement Annual INTRO 04 01 2026, as filed by Webbank, carries a 35.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the document actually states

What follows is drawn entirely from Webbank's CFPB filing for AvantCard Cardmember Agreement Annual INTRO 04 01 2026. The filing runs nine pages.

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

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it is at the extreme upper end of the corpus.

What the rate means in dollars

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $433.

On a median-priced agreement from this index (21.99%) the same $1,000 would run about $246 a year, so this card costs in the region of $187 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $30.01.

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.

Fees, and what triggers them

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.

For cash advances the filing discloses a cash advance APR of 35.99%.

Paying in full

Anyone clearing the statement balance inside 24 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The downside terms

$39 is the disclosed ceiling on a late payment fee, placing it near the 63rd percentile of the set.

How it sits in the issuer's own range

There are 23 filings from Webbank in this index. Their disclosed purchase rates run from 19.99% to 36%, and this one at 35.99% is more expensive than 11 of them.

The limits of this document

This page cannot tell you balance transfer terms, a foreign transaction fee 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.

Go to the source

The original filing, 9 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

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index.