ATIRAcredit Platinum Rewards MasterCard Terms and Conditions

The ATIRAcredit Platinum Rewards MasterCard Terms and Conditions filing from AMC Fs sets out a purchase APR of 10.49%–22.49% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 51st percentile.

The disclosed terms

What follows is drawn entirely from AMC Fs's CFPB filing for ATIRAcredit Platinum Rewards MasterCard Terms and Conditions. The filing runs four pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

How the purchase rate compares

Purchases price between 10.49% and 22.49% under this filing. The 12-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Those two numbers occupy very different places in the corpus: roughly the 12th percentile at the bottom and the 51st 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.

The arithmetic of revolving

At the disclosed purchase APR, $2,000 revolving for a full year costs something like $504 in interest.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $12 more per year.

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.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

Default pricing

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

Charges beyond interest

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.

Cash advances carry a cash advance APR of 22.49%.

The filing discloses a 5.74% balance transfer rate without an accompanying fee figure.

Against the rest of AMC Fs's filings

AMC Fs has 12 agreements indexed on this site. The issuer's own range is 21.49%–22.49%. At 22.49%, this agreement is dearer than 1 of its siblings.

2 of the issuer's other 5 disclosing filings are likewise fee-free.

What the filing does not tell you

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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, 4 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

22.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.