Mastercard or Visa credit card pricing info

1st Financial Bank USA's filed agreement for Mastercard or Visa credit card pricing info 123125 discloses a 33.65% purchase APR, a $25 annual fee and a 0% opening rate. Against the 4,587 filings on this site, that rate lands around the 79th percentile.

What this filing discloses

This page covers the agreement 1st Financial Bank USA filed for Mastercard or Visa credit card pricing info 123125. The filing runs one page.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

The promotional period

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

Once the introductory period ends the rate becomes 33.65%, which turns a lingering $5,000 balance into approximately $1,999 of annual interest.

How the purchase rate compares

At 33.65%, the purchase APR falls at roughly the 79th percentile of the 2,280 filings indexed here, which runs above the midpoint of the corpus.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

What a balance actually costs

A $4,000 balance left untouched for twelve months accrues about $1,599 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $4,000 would run about $983 a year, so this card costs in the region of $616 more annually for the identical balance.

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

Charges beyond interest

The annual fee is $25, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 78th percentile.

For scale, $25 is approximately what $74 of revolving balance would cost in interest over twelve months at this card's 33.65% rate.

Cash advances carry a cash advance fee of $3 or 3% of the advance, whichever is greater and a cash advance APR of 33.65%. The two halves of that fee cross at about $100: below it the flat $3 applies, above it the percentage does. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

A balance transfer costs $3 or 3% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Transferring $1,000 would cost roughly $30 at the door.

The grace period

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. With a corpus median of 25 days, this window is narrower than the norm.

Penalty pricing and late fees

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

How it sits in the issuer's own range

1st Financial Bank USA has 23 agreements indexed on this site. Across that lineup purchase rates span 29.9% to 35.15%; this filing's 33.65% sits above 3 of the comparable ones.

What you cannot learn from the filing

The disclosure parsed here does not state a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

Where the authority sits

The filed PDF is linked from this page and runs one page. 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 — 33.65% on purchases is near enough to typical. Against that sits the $25 annual fee, which is unavoidable once the account is open.