ATIRAcredit Serenity MasterCard Terms and Conditions

ATIRAcredit Serenity MasterCard Terms and Conditions, as filed by AMC Fs, carries a purchase APR of 10.49%–21.49% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 47th percentile.

What the agreement puts on the record

AMC Fs submitted the terms for ATIRAcredit Serenity MasterCard Terms and Conditions to the CFPB's agreement database; this is what they contain. It is issued on the Mastercard network and the filing runs four pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate is not stated.

Where the purchase APR sits

The purchase APR is quoted as a range of 10.49% to 21.49%. That 11-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 12th percentile and the high end around the 47th — the band straddles a wide stretch of the market this corpus describes.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

A $4,000 balance left untouched for twelve months accrues about $959 in interest at this purchase rate.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $25 cheaper for the same debt.

Broken down to a single thirty-day cycle, the same balance accrues roughly $71.26.

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.

The fee structure

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.

Taking cash against the card means a cash advance fee of $10 or 4% of the advance, whichever is greater and a cash advance APR of 21.49%. The two halves of that fee cross at about $250: below it the flat $10 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.

Transferred balances are priced at 5.74%; no separate transfer fee was captured from the filing.

Foreign transactions attract 1%. On $1,000 of overseas spending that is $10, charged on top of whatever exchange rate applies.

Default pricing

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

Against the rest of AMC Fs's filings

12 separate AMC Fs filings appear in the corpus. The others all file the same 22.49% purchase rate. Whatever separates these products, it is not the cost of borrowing.

On fees, 2 of the 5 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

Everything here is a reading of the filed agreement, four pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 21.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.