Tilt Essentials Visa Credit Card

Tilt Essentials Visa Credit Card 01 05 2026, as filed by Webbank, carries a 29.24% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 70th percentile.

The disclosed terms

The document behind this page is Webbank's filed agreement for Tilt Essentials Visa Credit Card 01 05 2026. It is issued on the Visa network and the filing runs 22 pages.

Terms captured from the document include a purchase rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 29.24% lands at the 70th percentile; it comes in above the median.

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 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 $679.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $187 more annually for the identical balance.

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.

Penalty pricing and late fees

Late payments are capped at $0 under this filing, about the 2nd percentile of late fee maximums in the corpus.

Grace period and minimum charge

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

The issuer's other agreements

Webbank has 23 agreements indexed on this site. Their disclosed purchase rates run from 19.99% to 36%, and this one at 29.24% is more expensive than 3 of them.

7 of the issuer's other 12 disclosing filings are likewise fee-free.

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.

The document itself

The filed PDF is linked from this page and runs 22 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The pricing here is middling by the standards of the index — 29.24% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.