Tilt Engage Visa Credit Card

The Tilt Engage Visa Credit Card 01 05 2026 filing from Webbank sets out a purchase APR of 28.24%–33.24% and a $59 annual fee. Against the 4,587 filings on this site, that rate lands around the 78th percentile.

The disclosed terms

What follows is drawn entirely from Webbank's CFPB filing for Tilt Engage Visa Credit Card 01 05 2026. The filing runs 22 pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

The purchase APR is quoted as a range of 28.24% to 33.24%. That 5-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Those two numbers occupy very different places in the corpus: roughly the 72nd percentile at the bottom and the 78th at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What a balance actually costs

Carry $2,500 on this card for a year without paying it down and the purchase rate alone generates roughly $985 in interest.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $371 more annually for the identical balance.

Month to month it reads as about $69.21 per cycle on that balance.

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.

Charges beyond interest

The annual fee is $59, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 89th percentile.

For scale, $59 is approximately what $177 of revolving balance would cost in interest over twelve months at this card's 33.24% rate.

The no-interest path

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. The typical filing here allows 25 days, so this one is tighter than most.

What a missed payment costs

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

How it sits in the issuer's own range

There are 23 filings from Webbank in this index. Across that lineup purchase rates span 19.99% to 36%; this filing's 33.24% sits above 5 of the comparable ones.

Among the issuer's other filings that disclose a fee, 9 of 12 come in below this card's $59.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Reading the agreement yourself

The original filing, 22 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

33.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $59 annual fee, which is unavoidable once the account is open.